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

In my last credit card statement, Citi claims that they told me that " in order for me to avoid paying interest, I need to pay the whole " New Balance '' amount ''. 

However, I checked the statement I downloaded and nowhere does it say that text " to avoid paying interest .... pay the whole balance ''. 

I only paid {$1000.00} for this last statement since I thought there was no interest that was going to be charged, even though the minimum payment on this card at the time was {$110.00} according to the statement balance. 

Summary : Citi still ended up charging me interest for the entire balance despite the fact that their statement document did not include this anywhere on my statement. I would have made a payment for the whole balance if I knew they were going to scam and try to charge me interest.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$53000.00} XXXX XXXX Balance : {$26000.00} XX/XX/XXXXXXXX Balance : {$140000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$0.00}XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$140000.00} XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXXBalance : {$55000.00} XX/XX/XXXXXXXX Balance : {$10000.00} XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Balance : {$26000.00}
Product: Vehicle loan or lease

The Honda Financial Services has given me a loan on a very high interest 5.50 %, I have a excellent credit of XXXX, even after paying them every month from XXXX 2013, they have n't reduced my interest rate and have n't reduced the payment at all. 

I have come to a point where I can not make the payments of the car anymore, I need the company officials to provide a solution.
Product: Debt collection

Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00}
Product: Credit card

Was denied based upon a consumer credit transaction. They have violated the truth in lending act, they told me that I was pre approved and they lied and have access my credit, said that there is another credit application which is a lie, they are involved in deceptive practices and have caused me great harm. The social security number was given and I would like my credit card. Will be reporting to the FTC And the securities exchange and also to the XXXX!! They do not have POA, I will be reporting them to all regulatory offices
Product: Debt collection

I am getting calls that I owe a payday loan debt I dont know about.
Product: Student loan

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the DEPT OF ED/AIDVANTAGE account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with XXXX, Equifax and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Product: Debt collection

I have never dealt with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue why theyre there. I always check my credit report regularly, but this time there were unexpected errors. I even refreshed the page thinking it might be a glitch, but nothing changed. The wrong accounts didnt go away, and now Im really concerned. Im requesting a thorough review of the documents Ive sent so that I dont have to deal with this again.
Product: Credit card or prepaid card

Vanilla Gift cards. 

this complaint is with respect to vanilla gift cards. Yesterday I tried to call the number that was printed on the back and the associates were insistent that I must give personal information my name email address and address to enter me in some kind of new promotion before I could check the balance of the card, after informing the agent three times that I was not going to provide any information. The agent insisted that this is the procedure that they must follow and that they must obtain personal information for you to check a gift card.
Product: Checking or savings account

I placed an order on XXXX XXXX  to have lunch delivered to my work. I ordered it well in advance of when my lunch was scheduled. My food got delivered XXXX hours later and was unacceptable in that it was already degraded quality and not safe to eat since it's been in someone's car for XXXX hours with no heat lamp or anything. XXXX didn't deliver on their side of the deal that's supposed to have my food get to me still as fresh as it can be in the estimated timeframe. I contacted XXXX to get a refund, and they said since they have refunded me in the past when they messed up before, they wouldn't be able to anymore. So I guess a company can mess up 4 times and take care of it but then the XXXX time they mess up it's now on my dime, that's what XXXX told me. I tried to have my bank ( Chime ) dispute the charge but they said nothing was found wrong even though they never asked me anything. Chime took more than 30 days and never contacted me, just sent a bunch of automated emails to me on the matter. After the wait finally someone emailed me just to say they won't be reversing the charge. I appealed with some documentation and they still said no. I thought my bank was supposed to have my back but it seems Chime is ok with XXXX stealing from their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a dispute based on a violation of a compliance with the FCRA and Experian sent me a letter as an stall tactic not to make their investigation, therefore violating my request to investigate this violation of the FCRA. It is an abuse and they need to do their job under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.
Product: Debt collection

To : Citibank , N.A . From : XXXX XXXX cc : XXXX XXXX, XXXX. Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. Citibank was served on XX/XX/2023 with all my individual case filings and Citibanks other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every Citibank account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of Citibank. I am confused that Citibank has assigned the same accounts to multiple law firms but some day Citibank may get its ducks in a row. As you know, I have been demanding for almost a year that Citibank file its claims with the XXXX pursuant to the arbitration provisions. Due to Citibanks failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

We are a music company and have a music convention at the XXXX XXXX every year where members and the guest fly in from all over the world to attend. Sometimes these guest have items shipped directly to the hotel. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX at Biehl & Biehl , Inc. collection agency stating there was a {$95.00} balance due from XX/XX/XXXX for a redelivery charge. I asked him to email me the bill since we always pay our bills on time. 

After reviewing the bill and contacting the company who shipped the item, it was confirmed that this was not our account. I have repeatedly stated this to XXXX who becomes more aggressive in his calls and emails and keeps telling people on staff who answers the phone that we owe them money, which we do not. We have never ordered from XXXX XXXX and XXXX XXXX keeps harassing us over an account that is not ours.
Product: Debt collection

Debt validation letter sent to LVNV Funding LLC and no reply to my request for proof of debt and or written/verbal contracts with LVNV Funding LLC XXXX I disputed this debt reporting with XXXX and XXXX is still reporting the collection as verified. I have not received any valid notification/proof as to how this was verified. I no debt or business with LVNV Funding LLC nor have I agreed to anything that would allow LVNV Funding LLC to legally report a collection on my credit file. This collection violates my right under the FCRA.
Product: Money transfer, virtual currency, or money service

I zelled XXXX from my chase to my wells fargo account which was linked with my phone number however it zelled to someone who wasnt even in my contacts. It just zelled to a stranger and when I tried to call XXXX they just simply told me they have nothing to with zelle and asked me to call zelle but zelle representative said the same and asked me to contact bank. My money was sent to a stranger when I tried to send it to myself in different account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I listed a {$30.00} mirror on XXXX XXXX and an individual I did not know messaged me asking to add me on Venmo and requesting my username to come and pick the mirror up the next day. As soon as we were official Venmo friends he sent me {$900.00} for a XXXX XXXX XXXX XXXX which was different than the {$30.00} mirro. I messaged him immediately on XXXX, saying " did you mean to do this? How can I get you your money back? '' He requested and I send it all back, which I did. After this he blocked me on XXXX XXXX. 

A few days later Venmo reached out to me saying the {$900.00} was unaccounted for and my account has been negative XXXX since. I opened the case, and they sided with XXXX XXXX who clearly scammed me. I eventually gave up because Venmo 's communication was poor and it seemed there was no hope. 

Flash forward almost three years ... a few days ago, one of my friends accidentally sent me a charge for {$290.00}, not knowing I no longer use Venmo and that account was in a deficit. Venmo charged the {$290.00} of my friend towards the {$900.00} in my account ( which is an on-going investigation ). They are refusing to give the money back to my friend, and have given little to no information on the Venmo account of the individual who scammed me. Therefore, I am stuck and have no way forward.
Product: Debt collection

My boyfriend on line bought merchandise from XXXX XXXX XXXX and used my name and address to obtain the product he bought. The charge was in the amount of {$4800.00}. Before I was sent a bill for what he owed, he asked me if he can use my name and address. I refused, but he did it anyway.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts were added to my credit report. On XX/XX/year>, I submitted a dispute to Equifax, providing all required documentation, including a police report and an identity theft affidavit, in accordance with the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California Civil Code 1785.16 ). Despite meeting all legal requirements for filing a dispute, Equifax failed to remove the inaccurate information from my credit report. 

Under California law, specifically Civil Code 1785.25 ( a ), credit reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, per Civil Code 1785.16 ( k ), Equifax had a duty to block the fraudulent information from my credit report within 30 days of receiving my identity theft documentation. Despite this, they failed to act in compliance with both federal and state regulations. 

As a direct result of Equifaxs failure to remove the fraudulent accounts, I lost a job opportunity on XX/XX/year>, as my prospective employer relied on the inaccurate credit report during the hiring process. This has caused significant financial harm and emotional distress.
Product: Checking or savings account

I have a money lion app account my account was fraudulently accessed personal information was changed money was taken from my account and sent to my XXXX XXXX. I did not authorize any money to be transferred I have discussed and disputed the transaction four times with money lion and I keep denying my claim they will not refund me my {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have been unable to get my credit report through XXXX after making a complaint of outdated information being used to deny me the use of my credit! I have tried to call repeatedly and I am unable to make contact with a live person at any time for ANY reason. I have sent letters and they have gone unanswered. All of my credit information has been wiped from my online account. I have tried accessing the report from XXXX XXXX XXXX and I am barred from getting that way too.
Product: Student loan

The dates and amounts cary over the course of 10 plus years. I would receive phone calls and they were calling me names, like XXXX****, and saying i got the loans now its time to pay or i will my house, car, children would call me at leasr 20 times a day. I changed my phone number over and over and they still found it. They said i had to send payment asap. 
I would get different information everytime i would talk to XXXX. I was given more amounts of what i owed or how much my monthly would be They told me everytime called that my account would be updated with the information, but of course, never was. 
They would callny job at the time i hsd one, that i got fired because of them. 
Was even told the law enforcement will be showing 5that same day to take.me to jail. 
Was told since i was also on state assistance, to get off my XXXXXXXX XXXX XXXX*. Was called XXXX XXXX. Sometimes they would be arguing with me that i couldn't get a word in i would cry for hours because of their nonsense.
Product: Debt collection

I was notified by Credence Resource Management of a debt owed tto XXXX XXXX via a letter dated XX/XX/year>. This letter gave me until XX/XX/XXXX to respond in writting or email to dispute this debt. Credence Resource Management did however report this as a vaild debt to the credit bureau on XX/XX/year> in direct violation of FDCPA 1692.

I have tried to resolve this matter with XXXX for months as I do not owe this account. I still have XXXX  representatives working to resolve this matter and plan on taking legal action to further resolve this issue if required.
Product: Checking or savings account

I filed a dispute for the money for rent I never received. Got kicked out. It was through XXXX XXXX ( I rage closed my account with CA because of how unhelpful they were ) and Chime is not doing their XXXX job. 

They dont understand the severity of this.