23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The Letter Requesting Proof of Address : The letter I received from Citibank, dated XX/XX/year>, instructed me to submit proof of address but did not specify where or how to send this information. This left me uncertain about the correct process. 

Contacting Customer Service for Guidance : After reading the letter, I reached out to customer service and were provided with an email address to submit the required proof of address. However, after submitting the document on XX/XX/year>, I did not receive any confirmation that the documents were received, and there was no clear communication on the status of your case. 

Account Closure : Despite submitting the requested proof, it appears the account was closed after a period of inactivity or unresolved documentation. This is understandably frustrating, especially since no one could provide confirmation of the receipt of your proof of address. 

Attempts to Reinstate the Account : I made multiple calls to customer service and visited both a XXXX store and a Citibank branch, hoping to have the issue resolved and the account reinstated. Unfortunately, no one was able to help, and it seems there was no way to directly communicate with the department that was handling your case.
Product: Credit card or prepaid card

I was using Cash App and buying something off there, I sent the money and I never got the items I purchased. Cash App told me theres nothing they can do but I was scammed so they can totally do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that are fraudulent I need removed One main financial XXXX XXXX XXXX XXXX One main financial XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX One main financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.
Product: Debt collection

XX/XX/XXXX XXXX XXXX reported to XXXX XXXX 6 delinquent accounts in my name for XXXX Arkansas. I only had 1 account with XXXX Arkansas in my name for medical care i recieved, when I broke my ankle in XXXX. When XXXX Arkansas sent the information to mid south adjusting, they sent each follow up visit as a separate bill/account. I only have 1 account with 1 balance that I'm paying on. When Mid South received the information they reported to XXXX XXXX 6 individual accounts for XXXX Arkansas in my name. The way they are reporting this to my credit report as 6 different accounts is completely unethical and wrong! I contacted XXXX Arkansas, who informed me it had been turned over to Mid South Adjusting, and I would have to talk to Mid South adjusting, when I called Mid South Adjusting, they said I would have to call XXXX Arkansas that they ( Mid South ) couldnt change anything. After 3 rounds of beig referred to the other company I have become completely frustrated. I have tried disputing the information through XXXX XXXX and have gotten no where. Now to top it all off I go and check my credit report for XXXX XXXX and they have listed all of the Mid South Adjusting ( 6 ) as Chapter XXXX wage earner plan account. Yes I was in bankruptcy, discharged in XX/XX/XXXX, but I never added these medical bills to that bankruptcy. I tried to dispute it via XXXX XXXX and and I get no where, it says I already summited a dispute. Oh and FYI I am making {$250.00} a month payments to Mid South Adjusting on a {$6000.00} balance combined 1 amount for 1 account, because they said they could not accept any less than that a month or they would garnish my wages. It is really putting me in a bind, but I'm trying to get this done and when I ask them to correct information I get the run around!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and I noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge XXXX Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



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 & XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was originally deleted from my credit report in XX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am submitting this complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report, despite multiple requests. I have been a victim of identity theft, which has resulted in unauthorized accounts, inquiries, and personal information discrepancies on my credit profile. Despite my formal requests for correction, these entities have failed to act in accordance with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Violations & Failure to Act The credit reporting agencies and data furnishers have committed the following violations : Failure to block fraudulent information ( 15 U.S.C. 1681c-2 ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Failure to safeguard my personal data ( 15 U.S.C. 1681b ( g ) ) Failure to ensure accuracy in reporting ( 15 U.S.C. 1681s-2 ) Disputed Items & Personal Information Corrections I formally request the immediate removal and correction of the following information : Name Correction : My full legal name should be displayed as XXXX XXXX only . 

Address Update : Remove all outdated addresses. The only valid address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Phone Numbers : Remove all listed phone numbers. 

Social Security Number & Date of Birth : Ensure my Social Security number and date of birth are not displayed for privacy protection. 

Employer Information : Delete all employer-related data from my report. 

Fraudulent Accounts : Remove all unauthorized accounts and fraudulent inquiries associated with identity theft. 

Data Breach Impact & Supporting Evidence My personal data was compromised in multiple data breaches, including : XXXX XXXX XXXX data breach XXXX ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX ( XXXX ) : XXXX XXXX customer records leaked. 

Experian ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite submitting multiple fraud alerts and disputes, the credit bureaus failed to take appropriate action, leaving me vulnerable to further fraudulent activity.
Product: Prepaid card

I received an Amex XXXXt Card. This includes an email You have received an American Express XXXX Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXamexXXXX XXXX XXXXaccount and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

Many people have reported having this problem starting this past year.
Product: Mortgage

Applied for and paid fees for PMI removal process and can not get any straight answers about the process and all agents hand up on us and do not move this request forward. Has been ongoing for more than XXXX weeks. Also paid the fee and see that its been posted to account for PMI removal.
Product: Debt collection

I was called by XXXX XXXX management on XXXX and XX/XX/XXXX leaving a voice mail without details to call them back. For concern about fraud, I did not return the call. I was subsequently notified that this company reported a debt claim to XXXX. I called on XX/XX/XXXX and spoke with an agent. I inquired about the debt claim and he responded it pertained to the " Apartments ''. I stated I never lived there. I asked who this debt was attributed to and he stated a name. I replied that I had no idea who the person was, nor had I ever met this person. He then asked if the last 4 digits of my SSN were correct and they were. I inquired about what the outstanding debt was related to and he stated " move out charges '' " painting '' dated XX/XX/XXXX. I also stated that I had never received an invoice for the charges in question ( totaling $ XXXX-that includes an interest charge ). The agent asked if this could be a fraudulent claim and I stated yes as I didn't know the person the debt was assigned, nor had I lived at the Apartments. He stated he would email information to file this as a fraudulent came, it has yet to arrive. I recalled my daughter had once lived in these apartments with XXXX other roommates and moved out that same year. As everything was done on-line, interestingly the leasing company no longer allowed her access to her move-out statement that showed she had paid in full. Also, the leasing company never returned her security deposit and there was no accounting of how the security deposit was used. 
The following day, I received an email from Genesis with a bill for {$270.00}. Again, no itemized bill, no proof that I had ever received a bill. Today, XX/XX/XXXX I was notified that my daughter received a similar email for the same bill. In this bill, they have her name correct but have the address of her ex-roommate. All of this leads me to believe that either : XXXX ) My daughter 's ex-room mate owes the debt and this agency is seeking anyone with an association to attribute the debt. Or, XXXX ) The debt is fabricated as I know my daughter never received her security deposit and I can guess her other roommates did not either. 
XXXX ) Both of the above is correct. 

It is clear this tactic of reporting the debt to my XXXX Credit bureau is a willful attempt to pressure payment without ever having to provide clear evidence that a debt is truly owed. I have asked for verification that the debt being assigned is truly mine ; a detailed original invoice for the {$260.00} + {$7.00} interest and what this reflects and neither is forthcoming. I can only imagine Columbia Debt Recovery LLC DBA Genesis is doing this to countless college students, young adults, and senior citizens. This aggressive tactic of notifying one 's credit bureau without providing the evidence seems heavy-handed and predatory.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit card or prepaid card

Received a debit card from Bank of America for an account that I never opened. I called the customer service number on the back and created two fraud claims ( one for the checking account and one for the savings account that had been opened in my name ). I received emails a few days later indicating that the fraud investigation was complete and that I should fill out a form and provide a copy of my driver 's license, passport, Social Security card and other information that seems unnecessary to resolve a fraud claim for accounts that I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Balance : {$46000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

On XX/XX/XXXX, I created my account with XXXX   Servicing, and I uploaded all of my Employment Certification forms for the Public Service Student Loan Forgiveness program. I received notice that all of my forms were received on XX/XX/XXXX. I called the customer support line shortly after my account was set up to check in that all of my Employment Certification forms  were correctly received and to see how long the review normally takes. At first, I was told it may be 6 months, but no communication was sent to me telling me that the review of my student loans was in process or any timeline for how long I can typically expect to wait. I called again in XXXX of XXXX to see if the review was starting and if I would see an update on my qualifying payments anytime soon. I wasn't told anything specific, just that the review hadn't started and that I would get some kind of written communication if anything else was required. I called again in XX/XX/XXXX, and again, I was told to call back in 30 days to see if the review had started. I called again in XX/XX/XXXX and was told that nowhere was there any written guideline of how long the review takes. I was told it could take up to a year, but that there was no timeline. I asked to have my case escalated, because I thought this was pretty poor customer service, but I suspect I was then just put back into holding queue because the person I spoke to next was another customer service rep who told me there was no timeline for their review. 

I believe XXXX servicing should be more transparent with their process and where loan forgiveness applicants are in the process. These are not petty annoyances that I'm not getting answers about. Whether I get this loan forgiveness determines if I can afford to buy a house in three years. It determines whether I look for another job outside of the non-profit sector in a year. Whether I get loan forgiveness also determines my personal professional development budget, how much I can afford to save for my wedding, and what kind of career opportunities I will entertain because I have to stay in the non-profit sector. Conversely, if I'm denied PSLF, I need to know now if I should pursue a different career and how I need to alter my budgets/plans and take on additional jobs so that I can continue building towards my financial goals. 

What I've witnessed in XXXX Servicing customer service is a lack of any clarity in policies and procedures, which cascades to uncertainty about my participation in the economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX - {$550.00} XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$90.00}
Product: Vehicle loan or lease

XX/XX/15 I purchase and XXXX  XXXX XXXX from the dealership of XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Ca. The lease was denied by the Dealership and GM Financial on XX/XX/15, I try to return the the vehicle to the dealership and the return of the downpayment of $ XXXX.GM Financial Stated that I had sign a Auto Lease and The Lease is valid. I inform GM Financial 0n XX/XX/15, that you GM Financial has Denied the Lease Application, Credit- Application and there was No New- Application written after therefore any Any agreement there after is invalid.