23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I asked XXXX for a car insurance quote using their online system. Their quote was extraordinarily highover {$4000.00}, so I secured a policy from XXXX the same night. After receiving my XXXX statement from Citibank, I immediately disputed the charge and reported that I received nothing from XXXX, and why on earth would I carry two XXXX insurance policies? Citibank asked me to go to XXXX as part of the process. I did, but XXXX had no evidence of a policy or even evidence of the quote. I reported this back to Citibank, but Citibank reports it has no records of that, and it has closed the dispute. I just reopened the dispute once more, but I have no confidence in Citibank, and I am livid that Citibank referenced a credit report in the denial letter. So, how do I prove a negative? How do I prove that I did not receive an auto policy from XXXX? Citibank is not acting like my bank. Their failure to thoroughly investigate, and my torturous time on the phone has rendered nothing. There must be Fair Credit Reporting Act and Electronic Funds Transfer Act issues here. Please publish. Please help, because all I can think of is to send Citibank my XXXX XXXX XXXX XXXX, which really is circumstantial evidence. Its attached below. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have four account on my report from two different student loan companies. My loan has been transferred to federal loan servicing, and these accts have closed. i do not want them on my report as they are no longer my accounts. i spoke to experian and told them i have not had a problem with XXXX or XXXX, i was told that experian can make their own policies on their reports and they CHOOSE to leave an account ( even if it is no longer yours ) on your report. I feel that this is not right, how is somebody to clean up their reports if a credit company can make up their own rules!!!!!!
Product: Debt collection

In XXXX had decided that we needed to get our credit repaired.So I got account with Lexington law after a couple weeks after My mom got with them. So Lexington law charged my account for me and her. When I got the account with Lexington they had let me know what was on my credit. But after a couple months I didnt see any changes so got upset bc my credit score was not being repaired. I let them know that I no longer needed their services. And that was for me and my mom.
Product: Bank account or service

I tried to open a checking XXXX Classic checking XXXX account in santanderbank via online. Provided all the required information plus initial amount of {$250.00} to open the account. Also uploaded Driver 's license, other bank statement, utility Bills ( internet and electricity Bills ) scanned versions. But after few hours come to know that they have declined the application with some weird reason that " We regret we can not open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A. 

We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application. '' What??? 
I was suppose to get {$150.00} in 90 days as a new account opening bonus after satisfying few conditions. Why they could n't open the account - it 's a big surprise to me. 

Later I sent them inquiry regarding this which they were suppose to respond back within 24 hours which i have n't heard of till now.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar entries on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and I'm now urgently requesting the removal of these entries. Their presence is causing significant stress as they do not reflect my true credit history or financial conduct. Dealing with this issue has been challenging. If necessary, I am prepared to pursue legal action to safeguard my rights and resolve the matter. These inaccuracies are impeding my progress toward important financial objectives, such as homeownership and supporting my family. I sincerely hope for a prompt resolution to this matter.
Product: Debt collection

XX/XX/XXXX this account entered a covid relief program they offered and we continued to pay as agreed ..but eventually late payments were reported eventhough account was being paid as agreed.. 

XXXX XXXX XXXX  sent a debt verification letter to them and never received a response. Account was never showed to reflect that I have disputed the information provided
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account # XXXX Case ID XXXX Post Date XXXX  Communication dates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit card was presented to a restaurant for the sole purpose of having a credit card on hand, as they commonly request when parties of present. The issue here is that my credit card was left behind and an excessive amount of charges were present on my credit card without my knowledge, and approval. I never received the receipt or even signed the receipt, therefore when contacting the establishment in person, they neglected to provide me with the receipt and failed to follow through with providing me with any documentation. 
In turn, I contacted Barclays about this situation, after serval months of going back and forth from disputes to fraud department, they failed to assist me in obtaining the documentation from the merchant. The irony here, after several attempts I finally received documentation from Barclays stating I was not held responsible and they favored with me, removing the charge from my account a few days later I see the reversed the charge back to my credit card. 

When contacting them for 6th time, they stated that they had closed this case and favored with the merchant and I had asked how they could do this without having any supporting information. They claimed a receipt was not needed, as the card holder is responsible because I presented the card to the merchant. 

This makes absolutely no sense to me and without a signed receipt, this seems to me as being a fraudulent charge. 

The issue now stands that my account is in default for non payment, reported to all credit agencies as default payment and now tarnishing my credit rating. 

I would like this matter addressed getting the supporting documentation that I initially requested along with penalties applied to Barclays for negligence of supporting their card holders. Based on the findings posted on reviews I have found that Barclays has neglected to represent and provide support to the card holders in turn this should be addressed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reportina agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXXXXXX
Product: Consumer Loan

the company dollar loan center somewhere in XXXX XXXX s/d told me they reported to all XXXX credit bureaus. they misrepresented. they only report to trans union when I offered to pay off loan ( small ) they increased the interest 159 %. they are very cut throat and refuse to put me infront of their corp '' hd qtrs. I want to resolve the problem. also wrongful credit reporting to smear me
Product: Credit reporting, credit repair services, or other personal consumer reports

-Dates associated with item being disputed : XX/XX/2022 -Explanation of item being disputed : The account referenced by XXXX. XXXX XXXX XXXX XXXX is showing as a Collection, however, this account does not belong to me. This account is also not legally in possession of XXXX. XXXX XXXX, nor do they have a right to collect on the supposed debt. I did not receive the mandatory 30 day right to challenge said debt. The Debt Collection License for XXXX XXXXXXXX XXXX XXXX XXXX is described as Pending. As a result, I am currently pursuing XXXX. XXXX XXXX in legal proceedings for this reporting. Please kindly update my report to show the Collection as removed. 

Experian, XXXX, XXXX has not taken this information and investigated properly. Despite the lack of proper procedure for debt collection, as stated by the Fair Debt Collection Practices Act, by XXXX XXXXXXXX, Experian, XXXX, and XXXX has not deleted the item from my report. Experian has only updated the amount of debt on my report based on the word of XXXX. XXXX XXXX. This collection has resulted in my inability to secure financing for a vehicle and for a home. The original creditor is being pursued for punitive damages, as well as gross negligence, despite this, this collection has been placed on my report.
Product: Credit card or prepaid card

I tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send documents to Bank of America with correct email address for response. Thank you!
Product: Debt collection

I am writing to file a formal complaint regarding Radius Global Solutions LLC in relation to inaccurate reporting of a debt on my credit report or unfair collection practices. I believe this matter violates my consumer rights under applicable federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The amount of debt of {$5500.00}. XXXX is not accurate. The company Radius Global Solutions LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating. 

Despite my efforts to resolve this matter, I have not received a satisfactory response. Therefore, I am requesting the CFPBs assistance in investigating this issue and ensuring that my rights under the FDCPA and/or FCRA are upheld. 

Please confirm receipt of this complaint and keep me informed of the steps taken to resolve this matter. If you need additional information or documentation from me, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Checking or savings account

I had  XXXX  charges this year by   XXXX   I disputed with bank bc the items were incorrect Bank worked in the other companies favor and company would not work with me on returning items or remaking items I am still at a lost and items were not correct, this is not fair a bank should be in customer favor when they are at a lost  XXXX / XXXX /2017 {$3900.00}  XXXX / XXXX /2017 {$1400.00}
Product: Money transfer, virtual currency, or money service

Back Story : I posted my furniture ( dining room table ) on XXXX 's list to sell. A guy reached out to me to buy the furniture. He said that he would give me a cashier 's check with the amount of money for the furniture and additional to pay the mover 's who were coming to take the table. When I received the check, I cashed it in on wednesday, XX/XX/2019 to my bank of america mobile application. The supposed moving company asked if I could transfer the money to their account using XXXX application, which is available on bank of america 's mobile application. I am a student, so I didn't have the money to give until I deposited the cashier 's check.I deposited and sent the transfer on XX/XX/2019. The cashier 's check was showing as cleared and available on XX/XX/2019. On Thursday, XX/XX/2019, there were some complications with sending the transfer, so I called the bank and they has said that it would be a few more hours before the check will be made available. Then, on Saturday, XX/XX/2019, I found that my account had overdrafted because the cashier 's check had bounced and the money transferred were taken out. I called bank of america that morning, and they stated that the cashier 's check was counterfeit and that they could not do anything because I had authorized the transaction. I also called XXXX to report the fraud and they also said they were not responsible. 

My complaint : I do fully understand that I had authorized the transaction to occur, but it was under the premise that I had the funds in my account. I had also called Bank of America because there were complications with transferring the money ( when I had called I did not know that it the cashier 's check was fake ), and they said that it would just be a few more hours to process it. I do not understand how I could authorize a transfer if I do not have the sufficient money in my account. Further, both Bank of America and XXXX, both stated that they are not liable, but this application is available to use without adequate protection or clear liabilities to the consumer. They both direct you to a FAQ section stating that they are not held reliable, but I feel this should not relieve them from the obligation to protect consumers. I thought I was sending the money to another verified bank account.
Product: Checking or savings account

On XX/XX/2019 I had filed two claims with Bank of America. The Claim numbers are XXXX and XXXX and were closed and resolved so they put the money that was stolen by fraud to my account. On XX/XX/2019 they withdrew without first letting me know XXXX, claiming that the amount was duplicated and left my account with a negative balance. This should have not happened because the claim was closed and everything was final. On XX/XX/2019, they took out another debit of XXXX for the same thing without letting me know and my account went into a negative balance and both amounts were from claim XXXX. If a claim was resolved and closed and the bank made the mistake it not fair and wrong for them to come and take money out from my checking account without first letting me know what's going on. That is why banks have insurance to cover fraud protection and like I stated earlier, the claim was close and resolved. It has been a stressful and hectic time for me because I have been a customer of the bank for 19 yrs. I called and they keep connecting you to people who don't know anything. On Friday, XX/XX/2019 I spoke to a supervisor named XXXX and he agreed that the bank was at fault because the claims were closed and resolved. I used the money to pay bills because they said it was closed. Now they come and withdraw when is this issue going to stop. I am scared and stressed and cant sleep because the total for the both withdrawals is XXXX. I am XXXX and don't have that kind of money to be getting back I am in debt with my son to have to deposit that money so my account wouldn't go into default. I really need help because I feel that the bank is trying to cover themselves for there own employees mistakes.
Product: Vehicle loan or lease

BMW financial > 5-7 years of credit history with BMW finance in good standing. 
ex-spouse crashed vehicle in auto accident and auto insurer ( XXXX ) did not pay off totaled vehicle. 
I personally adsorbed the debt and rolled into a new car loan during that time. I could not sustain the heavy monthly car payments > {$1200.00} per month. vehicle was re-possessed and sold at auction. 

adsorbent amount of money still owed on the loan and I have been unable to purchase a vehicle due to the reported outstanding BMW debt and poor credit .... 

XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX ON FRIDAY XXXX A CALL CAME IN FROM XXXX AT XXXX AM TO MY PHONE NUMBER XXXX. SOMEONE WAS CALLING FOR XXXX XXXX. I TOLD THEM THIS IS XXXX XXXX AND THIS HAS BEEN MY PHONE NUMBER FOR SEVERAL YEARS NOW. AND ASKED WHO IT WAS THAT WAS CALLING ME, THE COMPANY NAME, THE PERSON INSISTED ON ASKING ME AGAIN IF I KNEW XXXX. I TOLD THEM NO AND ASKED AGAIN FOR THE NAME OF THE COMPANY THE PERSON WAS CALLING ON BEHALF OF WHEN I WAS HUNG UP ON IN MID SENTENCE. 

AN INTERNET SEARCH SHOWED NO RESULTS FOR THE PHONE NUMBER I WAS CALLED FROM. SO I CALLED THEM BACK AND TOLD THE LADY THAT ANSWERED THE PHONE WHAT HAD HAPPENED AND ASKED FOR THE COMPANY NAME. SHE TOLD ME WHAT SOUNDED LIKE CENTRUY CREDIT, BUT WHEN I LOOKED UP THE INFORMATION ON THE INTERNET, THERE WAS ALSO A DEBT COLLECTION COMPANY THAT GOES BY THE NAME OF SENTRY CREDIT. 

SO I CALLED THEM BACK AND THIS TIME I ASKED THEM TO SPELL THEIR NAME. SENTRY CREDIT INC. 

XXXX CALLED ON FRIDAY XXXX AT XXXX XXXX  A CALL CAME IN FROM XXXX, ASKING FOR XXXX XXXX. I TOLD THEM THIS WAS XXXX XXXX AND THIS WAS MY NUMBER. I ASKED FOR THE NAME OF THE COMPANY THAT WAS CALLING ME AND I WAS TOLD IT WAS SENTRY CREDIT. I ASKED FOR THE NAME OF THE PERSON CALLING ME, I WAS TOLD XXXX. I TOLD THEM I DO NOT KNOW A XXXX XXXX AND THAT I HAD TOLD THEM THIS THE LAST TIME THEY CALLED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX  has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXXXXXX XXXX
Product: Credit reporting

I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX 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 XXXXXXXX XXXX  - XXXX, XXXX XXXX XXXX IN 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 an account without my written instructions.