23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Product: Credit card

I had a payment due for a line of credit from a furniture store, I had to pay off the balance before the end of a 6 month special financing. I mailed the check 15 days before the due date for the full remaining balance, now on my latest statement, it says the payment was late, almost 20 days after I mailed it. so now I am subject to a late fee, which will then cause there to be an outstanding balance, where they then will charge me the exorbitant amount in interest on my entire balance at time of purchase. I have made every payment on time or early and my balance would have been paid in full had they not intentionally sat on the check until it was late.
Product: Debt collection

XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.
Product: Credit card or prepaid card

In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.
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 Number : XXXX : Account XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Mortgage

I had been trying to apply for Mortgage assistance or loan modification since XXXX I have apply more then 11 time with 6 different income because I had to bring my income up I Have to change job many times in order to re-apply for loan modification becouse lender had advise me to get more income in order to qualify but all my application had been decline for reason not real and clear disclosure by lender XXXX XXXX. Lender also Requesting borrowers to paid 50 % of negative escrow or Escrow Shortages balance at front in order to qualify for Loan modification!! That it mayor violation of ( Regulation X ) ( RESPA ) I feel that lender had number of violation and had number of violation of ( Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) ( RESPA ) and also number of complaint of Fair Housing Act Title VIII of the Civil Rights Act of 1968 ( Fair Housing Act ), as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status ( including children under the age of 18 living with parents or legal custodians, pregnant women, and people securing custody of children under the age of 18 ), and handicap ( disability ).
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act. Specifically, these entities have breached the following federal laws : 1. 15 USC 1681b ( 2 ) : Unauthorized access to my credit report.

2. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information.

3. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

4. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted.

Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 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 I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( XXXX ) they are supposed to update or provide this information within 15 days.
Product: Credit reporting or other personal consumer reports

Account opened with XXXX XXXX XXXX XXXX on XXXX
Product: Debt collection

I have gotten repeated calls from a third party debt collection company based out of XXXX GA - I have contacted them twice to tell them to stop calling as I carry XXXX debt. They say they can't bring up my number so they must not be contacting me. My Caller ID says otherwise. Repeated calls. No messages. Caller ID shows XXXX. The latest hang up was XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting or other personal consumer reports

Bank Of America failed to provide proof that I was provided an opportunity \to opt out of credit reporting under 15 USC 6802 prior to entering into the contract. Failure to provide full disclosure constitutes as fraudulent inducement into the contract and the contract is now voidable. Bank of America failed to even address this concern and failed to validate the debt owed by not providing me with the original contract with my wet ink signature. 
Bank of America Breached the Contract and is now liable for punitive and actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update this account. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks
Product: Debt collection

I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXX XXXX XXXX  XXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I am writing this to file a complaint regarding Citibanks unfair and abrupt closure of my credit card account without proper notice or sufficient justification. Below are the details of my grievance : XXXX. Account XXXX XXXX : Citibank closed my account within XXXX days of a payment issue. I was not informed that my payment had not cleared, and I received no communication or opportunity to rectify the situation before the account was closed. XXXX. Lack of Notification : Citibank failed to notify me in a timely manner about the returned payment or the impending account closure. I had no chance to resolve the issue or provide alternative payment methods. XXXX. Adverse Impact : The sudden account closure negatively impacted my credit utilization and could harm my overall XXXX XXXX. This decision was made without offering me any chance to address the problem, which feels punitive and unfair. XXXX. XXXX XXXX XXXX : I have observed multiple instances on XXXX and within complaints on the CFPB website describing similar situations where Citibank abruptly closed accounts without providing adequate notification to customers. This pattern suggests a systemic issue that causes unnecessary harm to consumers. XXXX. XXXX XXXX XXXX in Full : I have already paid my statement balance in full and do not wish for this account to be sent to collections. Despite my proactive effort to address the balance, Citibank has refused to reopen my account or provide a reasonable resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit card

In XX/XX/XXXX my bloomingdales card was compromised and some fraudulent activity occurred. I made a dispute and investigation was started. When I initially made this dispute, I also made a XXXX payment on my account. When I spoke to someone from the fraud department, they informed me that I would not be required to make any payments on my account until the investigation was complete. The investigation has now been completed and I was given credit back into my account. I went in to a bloomingdales department store on XXXX to make a payment and was told my account was closed. The sales associated connected on telephone with customer service who then informed that it was closed and error and she tried to reinstate it but could not because it was a sunday and the department she needed to reinstated was closed. She told me to call back on Monday.
Product: Credit card

I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.
Product: Debt collection

There is an account on my credit report that is not mine and the address and phone number attached to them are also not mine. I have never lived in that state or shopped at those stores SYNCB/Ashley Homestore XXXX {$8000.00} opened XX/XX/year> is charged off.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report 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

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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX. 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX