23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to bring to your attention some inconsistencies that I have identified in my personal credit report. These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. While I understand that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. The other bureaus have already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following errors : XXXX XXXX.
Product: Credit card

I have had a credit card account with Citibank since XXXX. This year during some research into the company 's operating structure as it pertains to credit card accounts, I read through their SEC filings ( prospectus reports, XXXX and XXXX forms, Trust indenture agreement ) and learned that not only was my account sold into a Trust as a receivable which makes me a direct investor in their company, but I also have an open-ended revolving credit account which Citibank has fully benefited from while imposing limits on my end of the barter ( setting credit limits and spending caps ). I looked at my IRS transcripts and learned that they have not filed any kind of 1099s pertaining to our bartering, which made me even more curious after learning that they sold my application into a Trust along with a pool of other accounts ( meaning that they received a healthy OID payout at some point ). Learning my position as investor VS consumer, I went further in my research and discovered that according to 15 U.S. Code 1666d, any credit balance > {$1.00} is money owed to me and I have the right to request it, and as of XX/XX/XXXX, that's what I did. I wanted to settle the debt obligations on my account by properly stamping and endorsing ( pursuant to 31 CFR 328.6 ) the instruments that Citibank was sending me with my monthly statements and informed them that this is how I wished to do so moving forward. To protect myself against potential retaliation, I made sure to have two witnesses and a notary sign a letter that I sent to Citibank revoking any POA they held regarding handling their fiduciary duties in managing my account without my direction/consent ( including the power to close my account without prior notice ). In retaliation, they closed my account and shut off all services connected to me using my credits and credit card and won't allow me to redeem the current balance that's owed to me, so I'm paying the debt obligation from my bank account to avoid elevated interest charges. I went from having XXXX credit score to now being in the low XXXX 's, all because I wanted a fair barter relationship.
Product: Credit reporting or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses and names for privacy and accuracy. 

Please delete all employers. They are no longer valid nor accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PAYMENT HISTORY FOR THE FOLLOWING ACCOUNTS ARE INCORRECT : XXXX. XXXX XXXX XXXX / XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was passed in XXXX by the U.S. Congress to promote accuracy, fairness, and the privacy of personal information found in credit reports. Also, 15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX I applied for the Citi AAdvantage Platinum Select World Elite Mastercard. 
I was denied and the reason given was : " -You have filed for Bankruptcy and your previous account ( s ) with us was included in that filing. 
- The credit privileges on your existing account ( s ) are currently restricted. 
" The consumer reporting agency cited was XXXX. 

I know the bankruptcy cited is incorrect and I contacted XXXX to pull a new current report. There are no bankruptcies on my report. In fact Citi issued me 2 credit cards in the last 2 years without any issues so I am at a loss what they are referring to. 

I am confused as to what they mean by your existing account ( s ) are currently restricted because my current cards are active. 

I have called Citibank and tried to find a means to discuss these issues and get this corrected. I keep being given numbers that lead to an automated system that reads back the decision letter to me and disconnects. 

All efforts to have a representative assist have been futile as they all send me to an automated system or a number that rings for 5 minutes moving from one extension to the next before finally disconnecting. 

The rejection letter states " If you have questions, call us at XXXX or go to Citi.com ''. The number is for the automated system the reads back the rejection decision and hangs up. The Citi.com website has nothing further to share on what can be done. No knowledgeable Customer Reps are available. Everyone I speak to reads off a script. If your question is not on the script they can not help you or will send you to a dead end number. 

I need someone who know how to remedy this to call me as they have made a decision based on erroneous information and are refusing to correct it. I am at the verge of canceling my current Citi accounts and never doing business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with XXXX  and equifax and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.
Product: Credit reporting or other personal consumer reports

I am reaching out to this company to speak on the collection that has been placed on my file. This is account is fraudulent and not my account. I have submitted in appropriate documentation showing how this is in fact a fraudulent account. To take things a step further, as a consumer it is illegal to place an account for collection without submitting in proper documentation. I am requesting that you all send over your errors of omissions policy number, the chain of title, and the orignial contract show proof that this account has been placed for collection. I am requesting that you send me over these documents within five days. If you can not provide this documentation, then per the law this is a violation and this account should be deleted. I have no knowledge of this account in the first place and this is just really ridiculous. Account number : XXXX
Product: Student loan

Originally submitted an initial complaint 9 days ago. have yet to hear back, but this complaint is because when I tried calling my servicer for an update on Saturday XX/XX/2022 and XX/XX/2022 at XXXX XXXX and XXXX XXXX respectively they are not available via phone during their posted hours of operation ( I will be attaching their " contact us '' page directly from their website ). when I try contacting several times during posted hours it says " sorry we are currently closed '' ). I've also tried calling several times during weekday operation hours but the wait times are absurd. 

this is seriously ridiculous, considering my original refund request for my loans paid during covid was requested on XX/XX/2022 and advantage had absolutely no record of the call or request when I called to follow-up on XX/XX/2022. and now I can not reach them. 

Business hours taken directly from Aidvantage 's website is attached below. I encourage you to try calling them during their posted saturday hours and you will get a " sorry we are closed '' message.
Product: Debt collection

Monterey collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay XXXX. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that Monterey collections has clearly violated.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$2000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother of XXXX young sons currently receiving unemployment because I was let go from my position due to not reaching my XXXX goal. Based on my credentials, I have received four employment offers in the past month alone however two of these offers have been rescinded upon review of my credit report which reflects three charge-offs totaling approximately {$25000.00} which just occurred in XX/XX/2017. 


I have been in communication with the credit card companies as well as the credit reporting agencies to come to an agreement to pay this off as well as to remove the charge off from my credit report so that I am able to attain employment. To date, they are unwilling to work with me on this. This is a true Catch 22, I have to pay the debt but how would I pay this debt if I can not obtain meaningful employment. 

These charge offs occurred when my then husband lost his job and we were unable to pay these bills. We are currently separated, and at some point will go through the divorce process which again due to unemployment I am unable to move further. 

Attached you will find my resume which should speak for itself with XXXX, XXXX XXXX, XXXX XXXX and a couple others spanning over twenty years of a successful, professional career without ever experiencing a job loss. 
I am a well educated professional woman with many years of experience yet my job offers are rescinded due to this debt. What law allows a credit card company to tarnish potential jobs, as well as a company who can rescind an offer to a more than qualified candidate who has passed all clearances including FINRA. I desperately ask for your assistance with this situation, anything you can do to help this single mother of XXXX young sons. 

PLEASE PLEASE PLEASE help me! 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX  did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
Product: Credit reporting or other personal consumer reports

I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns.
Product: Checking or savings account

Accounts were opened under my name at Truist and XXXX XXXX
Product: Mortgage

I took the Covid-19 related forebearance because my workplace was closed and I couldnt make payments. Since the forebearance ended Ive tried to communicate with my lender to do a loan modification to bring my mortgage current but they refuse to communicate with me. Ive sent all my documents 7 times but I keep getting letters saying they dont have my documents and no one will talk to me except to say they need my documents and they are threatening foreclosure but no one will talk to me or help me. They are asking for documents signed by my ex spouse that I have been divorced from for 25 years for XXXX XXXX reasons and he signed a quit claim deed in our divorce and I have no idea where he is.
Product: Credit reporting or other personal consumer reports

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX AUTO FIN XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XX/XX/year>, and XXXX XXXX XX/XX/year>.
Product: Credit card

i got the care credit card back in XXXX  i been paying on this card since never missed a payment never was late on a payment and recently started noticing the balance was not decreasing it continues to be the same or more even after XXXX a month payments every month. So i called the company who used the excuse that a interest promotion expired or something not quite sure what they are even talking about was never at any time told about any kind of promotion but as long as i have paid on this card it should be paid off or at least close to it but NO the balance is more. I did research them online and seen im not the only one they are doing this too there are hundreds possibly thousands of complaints online about this company and there unfair charges. I dont mind paying for what i owe i have perfect credit to prove that but i dont want to keep dishing money out to this company for the rest of my life. please help
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX XXXX XXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/year> ( attached ). Furthermore, the disputed account was never verified. Experian is reporting 54 late payments while XXXX states that no payment history is available. XXXX has removed this account. The account numbers on Experian and XXXX do not match. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Product: Checking or savings account

I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed. 
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft andfraud within 4 business days of you recieving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan opened at XXXX XXXX on XX/XX/XXXX under account # XXXX and a Personal Utilities account opened at XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Forster & Garbus, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXS Finance/Personal XX/XX/XXXX TransUnion
Product: Debt collection

I moved out of my apartment in 2014 and never received the bill of around {$45.00}! When I checked my score and saw a collections for that amount I called M.A.R.S. Inc immediately and paid the balance and asked them to take this report off of my account! They said if I paid they would remove the inquiry and never did! This was a total accident with no correspondence other than an old bill that I never received! They took this to collections without the proper due diligence. It is neglectful and unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called XXXX XXXX that XXXX and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report
Product: Credit reporting or other personal consumer reports

My information was exposed during the data breach.Experian has allowed this company to fraudulent put this account on my credit report without during a real investigation. 
I have contact the company XXXX XXXX  XXXX  by email, phone they are never able to authenticate me to give me answers on this account because it is fraudulent. 
Please remove this account immediately ACCOUNT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone opened accounts that were not authorized I need these accounts removed. 

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