23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

On or around XXXX XXXX, I was charged well over {$1500.00} for credit repair services from Lexington Law . I was charged and paid the fees upfront, which is illegal, in accordance with the Consumer Financial Protection Act of XXXX  and the Telemarketing Sales Rule. I received communication from Lexnington Law that stated I must pay upfront for the services and there was no guarantee that the service would even be successful.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Mortgage

On XX/XX/XXXX, I contacted XXXX XXXX at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ XXXX. The draw period expires XX/XX/XXXX. The available credit on the line is $ XXXX. XXXX told me my rate would be prime plus .XXXX and my house should appraise around $ XXXX, so I could receive 70 % of the home value. 
A couple of weeks later, I was contacted by XXXX XXXX. Issue 1 : XXXX stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : XXXX stated my house appraised at $ XXXX. I was later told by XXXX XXXX my home appraised at $ XXXX. During my last conversation with XXXX, I was told that she needed more information on the current lien against the property of $ XXXX. I provided her with the information to contact the XXXX XXXX XXXX, XXXX XXXX, and directly asked her if this was going to be an issue and if I needed to pay the lien off so we could proceed. She stated she needed to talk to the lien holder first and she would call me back. Issue 3 : This lien has been on my home since XX/XX/XXXX. This lien was on the home when I was approved for the initial LOC approximately nine years ago. Issue 4 : XXXX never returned my phone call. Instead On XX/XX/XXXX, someone else called to say that my application had been denied. Issue 5 : Per my conversation with XXXX XXXX, XXXX never called him to see if the City of XXXX would take a second position. 
On XX/XX/XXXX, I reached out to XXXX manager XXXX XXXX. XXXX stated that all I needed to do was submit a copy of the recorded lien release and XXXX statement showing where the funds came from to pay off the lien. Per my request, he sent an email stating the same thing. 
On XX/XX/XXXX, I provided both documents to XXXX. Issue 6 : I received a phone call from XXXX stating it is now a requirement that I have a full home walk through. I specifically asked XXXX on XX/XX/XXXX, if there were any additional requirements, he said no. During my call with XXXX on XX/XX/XXXX, I was told that this appraisal was good for 90 days. I specifically asked about this because I did n't want to pay the $ XXXX and not be approved for the loan. During the call on XX/XX/XXXX, XXXX went on to provide the appraisal amount. He also stated the appraisal had been completed and I would be approved for my original amount of $ XXXX because the appraisal came back higher than $ XXXX. I have a copy of the appraisal that was done on my home dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.
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 Account number : 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 card or prepaid card

I believe my consumer protection rights were violated by Bank of America and I would like to file a complaint. 
A brief description of what took place, here below : on XX/XX/XXXX, I called Bank of America Customer Service and requested to have my credit card with new expiration date sent to XXXX. I was there working on a project and my card was to expire in XX/XX/XXXX. I spoke to Customer Service Representative and gave him my temporary address information to ship the card to. I was told that everything was taken care of and that I should receive my card within a week. Next day, XXXX, I received an email from Bank of America informing me that my card was sent to my US address. I contacted Bank of America on XXXX and informed Customer Service Representative that my credit card was sent to the wrong address despite my request. While waiting for the Customer Service Representative to check availability of shipping options, all of a sudden I was transferred to a Senior Credit Underwriter. That appeared very strange to me. I was not asking for a credit limit increase nor was I applying for a new Bank of America product. I simply wanted my credit card with new expiration date to be sent to alternative address. Senior Credit Underwriter informed me then that she could not send my card to XXXX because there was an extended fraud alert on my credit. I never placed one. Senior Credit Underwriter also stated that she was not able to verify my identity. That sounded really strange to me considering the fact that I provided both the Customer Service Representative and Senior Credit Underwriter with all the necessary information to do so, including my phone number and email address. At that point I had no choice but to close my account. I was actually forced by Bank of America and/or its employees to close it since Bank of America and/or its employees were not favorable to me and acted to my detriment. A week later I received correspondence from Bank of America, sent to XXXX, informing me about my recent credit request on account # XXXX, letter # : LL XXXX XXXX XXXX XXXX. I was informed that my credit report was pulled and that I needed to call XXXX number to continue processing my request. I did not grant nor gave permission to Bank of America to view my credit. I did not apply for any products and/or services. In XX/XX/XXXX, I received another mail correspondence from Bank of America, letter # : AU XXXX XXXX XXXX XXXX. The letter informed me of enclosed copies of items recently requested. These included account summary and transactions from XX/XX/XXXX - XX/XX/XXXX. There was a new balance total of {$290.00} and the due date was XXXX. I never requested any statements from Bank of America nor had I any balance on the card. I closed the card on XXXX with XXXX balance. I am looking forward to hearing from you soon as I would like to resolve this issue once and for all.
Product: Student loan

I have a new leader called Edfinancial and I am unable to get any clarification on my loan. The letter I received in the mail is completely different than my account. 

The amount is different, the due date is different and I've called them for weeks as well as email but no response. I've been on hold for hours as well as selected the option to have someone call me back but no one did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Navient by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. Navient has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2017 I ordered a free copy of my credit report for Equifax, XXXX, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries Equifax 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX XXXXXXXX XXXX XXXX
Product: Credit card

incident occurred XX/XX/XXXX ( according to citibank customer service phone ) CREDIT LIMIT DECREASE DURING PANDEMIC  FOR NO REASON WITHOUT ANY PROPER NOTICE GIVEN PRIOR TO THE REDUCTION ... .... 

Citibank decreased my credit limit when i was in good standing by reducing credit causing maxing out all 3 of my citicards that already had a high balance. credit limit was reduced by as much as {$8000.00} or more causing my cards to be unusable during a worldwide pandemic and national crisis. 

( example {$28000.00} on one card was reduced to {$20000.00} while i had a balance of {$20000.00} in debt. once pending charges already made were posted the card maxed out at {$20000.00} and was unusable until I made payments. ) I was given no notice by phone or email, I was just unable to use the card to make purchases all the sudden. No customer service representatives were available to answer at the time due to long hold times and very few employees working. 

I believe citbank retaliated against me for asking for payment forgiveness a few months back in XXXX where they allowed consumers XXXX months of putting minimum payments on hold until they could get financial stability. 

A month later in XXXX I got a letter in the mail stating my credit limit had been reduced based on a credit report recently pulled which was not proper notice of the decrease as it has already been implemented causing my hardships. 

CITIBANK SAID THE REDUCTUCTION IN CREDIT WAS A RESULT OF A CREDIT REPORT FROM A MAJOR REPORTING AGENCY. 

I firmly believe citibank either didnt report i was on payment forgiveness and may have reported to credit reporting agencies I failed to make payments lowing my credit score. 


WHEN I SIGNED UP FOR PAYMENT FORGIVENESS IT WAS NOT DISCLOSED OR PROPERLY MENTIONED THAT MY CREDIT LIMITS WOULD BE AFFECTED FROM THE PAYMENT FORGIVENESS OR PLACING MINIMUM PAYMENTS ON HOLD. 

I suffered XXXX  health issues from stress and hardships having to use another high interest rate credit card during this period where my card was at the maximum limit and I was unable to make some purchases needed during the pandemic. 


citibank has failed to respond to my claim by email and said it would take -- -14 days to respond -- -- -- I dont think this is a reasonable period of time and citibank is not taking the issue very seriously only sending pre-typed emails saying they have received my complaint but no response. 

Just like victims of XXXX XXXX years later who are now prosecuting their attackers, I believe citibank took advantage of me and had leadership that was dishonest like XXXX XXXX during the pandemic leading to decisions like this one. 

AMONG RECENT ALIGATIONS THAT CITIBANK DISCIMINATED AGAINST CERTAIN PEOPLE AT THIS EXACT SAME TIME.