23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have asked Experian and equinox to remove none mailable address from my credit report and the refuse stating the original creditor is reporting the address however I do not resigned at the addresses listed nor would I be able to receive mail. For accuracy I would like all my address updated correctly
Product: Debt collection

I write to report about the company XXXX XXXX XXXX registered as XXXX XXXX XXXXXXXX XXXX for predatory practice. 
They found me from XXXX and called me some time last year to propose a match-making for professional singles. I was hesitant about the cost but they told me it was a monthly paid service and that I could opt out at any time. I told them that it is practice for me to sleep over every new proposal before deciding. She assured me that no worries, I wont be charged but and that its required to provide a Credit card but I still have time to decide. She then forwarded tons registration documents to virtually sign while assuring me on the phone that I can rely on her assurance that I wont be charged up front. 

What happened was different in that my account got charged {$500.00} which she had told me nothing about. Also I was denied the ability to opt out when I called about one or two days later to opt out. They had not provided me no service and have since not provided me any service. They have since sent my information to demanding {$2300.00} besides the {$500.00} for no services provided at all. 

I can only imagine how many Americans have to suffer from such companies that go unchecked. I will appreciate if you could call them to book and resolve this matter.
Product: Credit card

I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX 

CITI 's ACTUAL DEMAND FROM RIGHT NOW : -- -- -- -- -- -- -- -- -- -- -- -- -- Action Needed : Agree to go Paperless to maintain digital access to your account ( XXXX ) Were requiring you to go Paperless to maintain digital access to your account ( s ). This means your statements and legal notices will be provided only on Citi.com and the Citi Mobile App.

Not ready? We will remind you one more time. After that, authorizing Paperless Statements and Legal Notices will be required or you will not be able to access your account ( s ) on Citi.com and the Citi Mobile App to make payments, view transactions, or use any other digital features. 

After selecting 'I Authorize ', you can always switch back to paper delivery on your 'Paperless Settings ' screen and maintain digital access. Go to 'Services >> Statement & Documents ' on Citi.com or 'Profile >> Statements & Communications Preferences ' on the Citi Mobile App .

Paperless delivery is secure and convenient.

Automatically receive payment due reminders on credit card account ( s ) Immediate access to past 24 months of statements ( 12 months if not Paperless ) No statements will be lost or stolen in the mail By clicking " I Authorize '' I agree to the Paperless Terms and Conditions and understand that I will receive my statements and some legal notices electronically only instead of through the US mail. The Paperless Terms and Conditions provide more details, including the system requirements to view documents, and how to get a paper copy or cancel Paperless. I also agree to the Alerts Terms and Conditions and understand that Citi will send me an email alert five days before my credit card payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a dispute to TransUnion about a XXXXXXXX XXXX on my credit report and I even contacted XXXX and they also said I never had any account in my name but TransUnion said I did and they won't take it off my credit report, it says it was in XXXX And balance says {$1800.00} but I never had any service through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a letter to XXXX to ask them to explain why XX/XX/XXXXpayment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also XXXX  is reporting a 90 day late on XX/XX/XXXX, but the XXXX and XX/XX/XXXX is reporting current. How is that? XXXX is not cooperating with my request I would like to receive the transcripts of the conversation n that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. XXXX  haven't provided me with verification of the conversation. I was promise that they will approve the request.

i
Product: Consumer Loan

We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.
Product: Credit reporting or other personal consumer reports

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.
Product: Credit card or prepaid card

I submitted a credit card application with Chase on XX/XX/2021. After a few days I called to follow up on the status, and they said they needed documents from me, drivers license, business license, EIN etc. Chase provided a link and uploaded all the documents that were requested. I followed up again, and a customer rep said they need proof of address. I recently moved and my drivers license shows my previous address. I provided a utility bill from the beginning and the customer service rep confirmed they had received it. But he said they still need other information at the time another link was sent to me requesting a copy of my drivers license. I was confused and sent it again. I called again to follow and another customer service rep at the time said my application had been denied because my drivers license wasnt valid. She was rude and not helping. I had to question her further to get to the bottom of the issue that it was the address on my license doesnt match my current address. I told her there were other ways to verify my address, she said I could fax or go to a chase branch and they could fax my utility bill. I went into a branch and they faxed my electricity bill. I called back and they said they had received and there wasnt anything else needed from me. Then, I got a letter saying that the document I provided ( my electricity bill ) did not provide the information they need it ( proof of address ). Even though a utility bill is aceptable proof of address per their email.
Product: Credit card or prepaid card

The card has a {$500.00} credit limit and is used for my husband to buy gas and groceries. I make payments on it often, sometimes more than once a week. Also, I have two cards with this company and I have never had this issue with my other card. Usually, if I arrange for the payment in the afternoon the money shows up the next morning. However more and more often they are placing a hold on my payments of 7 days. I am not notified of a delay in fact I get a message saying my payment has posted! Luckily I checked the balance before going to the store. I have to call in when I notice it and I get transferred to the fraud department who calls the bank with me to verify the money has cleared. Today I played their little game, I even had to tell them what I intended to buy with the funds on my card ( Food, people need groceries to live )! She called the bank and chose the automated option and asked me to enter my card number. I entered the number and pin like the bank indicated and had the automated system read the last transactions. The XXXX XXXX payment of {$250.00} was listed as cleared on XX/XX/XXXX. At this point, I had been on the phone with them for 45 minutes. I asked the representative if that was all she needed and she said now they needed to talk with a representative at the bank. This is ridiculous. I made a payment, I verified my identity to them, I was able to access the bank and the payment was verified. They kept stalling and I still don't have access to my money.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : US DEPT ED # XXXX Account name, XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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 or other personal consumer reports

XXXX, transunion and XXXX fail for provide factual documents about these accounts : XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Inquiries are : TransUnion -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. the credit bureaus TransUnion, XXXX and XXXX
Product: Credit card or prepaid card

I was State Farm Bank Credit Card Clients From XXXX Until XXXX when US Bank Merge or Purchase the State Farm Bank. On XX/XX/XXXX, I received a letter that US Bank is Closing both My Credit Card Account In accordance with the terms of their cardmember agreement which is surprising Knowing that US Bank had a history with me on closing in the past XXXX years My Bank Account with US Bank Base ON Bias and Not Athetical and Violate the Consumer Financial Protection Bureau rules and regulations and I would like to investigate the bank From the past originally closing my first account until today closing my others accounts.
Product: Credit reporting or other personal consumer reports

I initially disputed this account with the credit bureau on XX/XX/year>, and the bureau, in turn, was required to verify the account with the creditor within 30 days. However, XXXX XXXX XXXX XXXX has failed to provide sufficient documentation proving the validity of the debt. Per the FCRA ( 15 U.S.C. 1681i ), if a creditor can not provide adequate verification, the disputed item must be deleted from the consumers credit report.

Despite repeated requests for proper validation, I have not received any documentation supporting the legitimacy of this debt. The continued reporting of this unverifiable account is causing unjust harm to my credit profile. 

I request the CFPB to investigate this matter and take appropriate enforcement actions against XXXX XXXX XXXX XXXX for their non-compliance. Furthermore, I seek the immediate removal of this inaccurate account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter dated XX/XX/2021, it states that the results of your investigation of XXXX XXXX XXXX was verified as accurate by XXXX, however XXXX has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that XXXX verified this as " accurate '' according to the investigation letter from XXXX has evidenced the contrary. Therefore I have requested for Equifax to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, Equifax uses XXXX to verify the bankrupcty, XXXX says to me it has been removed because unable to verify, I inform Equifax of such in a dispute to Equifax and Equifax is defiant in removing it because they allege XXXX verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if Equifax is stating that XXXX XXXX verified the bankruptcy as accurate so then why did XXXX SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that Equifax obtain my records and or documentation from XXXX proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here Equifax has failed to do so. XXXX is reporting one story to me and or another story to Equifax. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from XXXX stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.
Product: Debt collection

I have contacted the Bureaus Transunion, XXXX and XXXX I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights, and they have obtained my information without my consent from public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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 information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To my disbelief, I discovered inaccurate accounts on my credit report this morning, with absolutely no idea how they ended up there. I routinely check my report, and this time was different. I refreshed my browser, hoping for a glitch fix, but the accounts stayed. I am urging a thorough review of the documents Ive sent to resolve this and put my mind at ease for good.
Product: Debt collection

I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquiries are Unauthorized. 
The Bureau was notified _XXXX XXXXXXXX XXXX XXXX XXXX _XXXX XXXX XXXX XXXX XXXX I did not give permission for the Inquiries to be reported on my profile Please Remove Immediately for this is a violation of FCRA policies Thank you
Product: Checking or savings account

Good afternoon Sir/Madam I really hope you could help me with my case. 

I have a checking account with USAA and after depositing a check from my school, my account got blocked without any communication. 


Which really surprised me, since I called them before I deposited the check and they actually raised the credit limit especially for that purpose. A few hours later my account was blocked and still is at this very moment. 

I have no access to my money to buy groceries or get gas etc and my husband is  XXXX. 

I tried to contact USAA over the phone which is the only way of contacting them since they blocked access to the app as well. The phone has an average wait time of 7 hours and 49 minutes (! ) The next physical USAA office is an XXXX XXXX drive, so I cant go there in-person either. 

This is unacceptable, especially since it turns out, that I am not the only experiencing this issue ( see other peoples comments on USAAs XXXX site ). 

As soon as you are locked out of your account and thus, mobile app, USAA doesnt offer any emergency hotline or other ways of communicating with them in a case like this, other than waiting on the phone for over 8 hours. Even for a complaint you have to wait for over 8 hours. I have been advised that the phone numbers of members with blocked back accounts are flagged and have to wait longer to get someone over the phone. 

This is unacceptable and I really hope that you could help with my case, but also, for future references, can have a firm talk with USAA about their customer service in a situation like this.