23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX
Product: Mortgage

Requested Rocket Mortgage to cancel PMI since it reached 80 % XXXX back in XX/XX/XXXX ( morgage started XXXX XXXX with 15 % down ), but they refused of cancellation and suggest me to do re-appraisal with {$190.00} extra charge. 
I know that i do not need to redo a home appraisal, the XXXX value is based on the original purchase price, it is now reached 78 % XXXX, they still do not honor the promise of removing PMI, said can only remove untill the year of XXXX. 
This is unfair, i could have spent this money on paying down pricipal, not for PMI that i should not be charged. Rocket Mortgage Loan number : XXXX. Appreciate your help in advance!
Product: Debt collection

Portfolio Recovery has reported a debt owed of {$3200.00}. I do not owe this company this amount and they fail to provide proof that I owe this amount to them. This was reported on XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I discovered that I.C. System Inc began reporting a collection on my credit report. The collection is on behalf of XXXX XXXX. I talked to XXXX, they XXXX  'XXXX  out the account and notified I.C. System that I do not owe them any money. I disputed the collection on my report. After 10 days I was notified that I.C. System had refused to remove the collection from my credit report so I called them to give them the information I was given by XXXX. When I called I.C. System I talked to a representative name XXXX XXXX employee number XXXX and told him that XXXX  had verified that I do not owe them anything. The amount in collection is listed as {$280.00}. I gave Mr XXXX the name of the contact person from XXXX  who is XXXX and the reference number she gave me to confirm our talk and that I do not owe anything. The XXXX  reference number is {$280.00}. Mr XXXX told me he would file a dispute. Today I received the result s of the dispute which said they would not remove the collection from my credit report. This is false reporting. 

In addition, I was not given 30 days to dispute this collection. Had I.C. System follow the required credit collection laws, they would have contacted me, I would have proven that I do not owe the {$280.00}. and it could have been resolved before ever having a collection. 

I have current service with XXXX  and they can verify that I do not owe them for a past due account nor am I late on my current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXXXXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.
Product: Credit reporting or other personal consumer reports

As stated, TransUnion is given ample evidence to delete or block the XXXX fraudulent XXXX XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 10 months I mailed dispute letters to Experian, XXXX, and XXXX  regarding the correction of several inaccuracies on the following accounts XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX  XXXX  to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on over 10 months directly to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  In accordance to 15 U.S. Code 1692g XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX and the correct name is XXXX XXXX will attach my FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Old forge pa XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Product: Debt collection

I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

It has come to my attention that fraudulent items, associated with FTC fraud reports # XXXX, XXXX, and XXXX, are not being removed as required by law ( FCRA XXXX ). Consequently, I am dispatching this compliant to establish a legal recourse. Failure to remove the specified items, inaccurately reported due to identity theft, will prompt me to involve my attorney for legal action. My intent is to avoid legal proceedings, and I urge compliance with the law. Please remove the following fraudulent items, opened without my consent or knowledge : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance XXXX {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}. If you assert these items are 100 % accurate and verifiable, provide copies of any documentation associated with these items bearing my signature, as I know none exists.
Product: Credit reporting or other personal consumer reports

I have had multiple communications with Experian this year XXXX. They continuously and intentionally corrupt my score and personal life by reporting a false credit score. Not only on their website but to creditors inquiring my credit score. I have documentation showing the website still reporting a XXXX when my score is currently a XXXX and has been atleast XXXX this entire year. Again, even the CFPB can take a look at my credit report from a dispute earlier this year and see that my score was higher than XXXX. XXXX XXXX XXXX gives me better updates than Experian themselves. Continuous communications have led me here, being that Experian has given me no results. They continuously choose to report what they choose to not based off of any accuracy or communication what so ever on my credit profile. Experian is damaging my livelihood, reputation and future for any growth as a consumer.
Product: Debt collection

Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a free credit report request via XXXX  XXXX XXXXXXXX for Experion to provide my once a year report and have not received any information from Experian. I have tried to reach them but am unable to get in touch with anyone by phone.
Product: Credit card or prepaid card

I received a credit card that I have not applied or requested for from Capital One. It came by mail on XX/XX/XXXX. 

I called Capital One the following day ( XX/XX/XXXX ) and talked to three different representatives who were all very helpful, and I requested that my account be deleted. The last person I talked to, identified herself as an account manager, assured me that my account has by then been deleted and that there will be an investigation as to how a request for a credit card came to be. She also informed me, after I asked, that the processing of the new card was initiated on XX/XX/XXXX. She gave me a timeline of 60 to 90 days for them to figure out what happened.

However what bothered me was that they had all my personal information. As the call progressed, I was asked to verify my identity by giving my name, social security number ( last 4 digits ), my date of birth and of course my address. 

I am very sure I did not apply for this card. I don't remember If I ever had any account with Capital One. Identity theft is a possibility, but as of this point I have not encountered any other issue with my finances other than this. I also as a precaution review and restrict information sharing ( as much as I can ) with other financial entities I deal with.

I obtained two credit reports from the two of the three biggest credit reporting agencies which showed " soft inquiry '' from Capital One on XX/XX/XXXX.
Product: Credit card or prepaid card

I am a customer of Barclaycard and have XXXX of their high-end XXXX XXXXXXXX XXXX products. I live in XXXX, Texas. On XX/XX/2020, someone charged nearly {$800.00} twice at a lumber supply company in upstate New York. We disputed the charge. Two months later, a letter arrived telling us that the merchant had provided information to demonstrate we were liable for the charges. I called the number on XX/XX/XXXX. They said they would send the information that the merchant had provided. Two weeks later, when nothing had arrived, I called. I waited on hold for 30 minutes. They person who answered said that he could tell that the information was mailed to me on XX/XX/XXXX, 6 days after my call. I have now waited another week. It's XX/XX/XXXX. Nothing has come yet. As I type this, I have been on hold another 30 minutes. This is not acceptable service. We were not in upstate New York buying lumber the day before XXXX XXXXXXXX XXXX XXXXXXXX. Someone clearly committed fraud with our card. This company is not taking care of it.
Product: Mortgage

I sent payment on XXXX for XXXX payment. Round point held my check for 5 weeks and charged me a late fee.
Product: Debt collection

This is a fraudulent account on my XXXX Credit report that I've asked them to remove several times after sending over documentation and they refuse to remove this is a violation of my rights.
Product: Credit card

Issue : Was promised by Citibank customer service that I would be receiving the full welcome bonus for their Premier credit card, which would be the second Premier card I have applied for historically. The offer at the time was XXXX Citi ThankYou points which is equivalent to the current offer, after {$4000.00} in qualified spend in the first 3 months after account opening. I reapplied believing this premise was true, got approved for the card, and met the terms of the bonus offer and did NOT receive the expected ThankYou points. I contacted XXXX XXXX on XXXX and got in touch with a representative via phone call. They offered XXXX ThankYou points and closed the case despite me asking for the full XXXX points stating that the agent was misinformed and that I would've had to apply for the card in XXXX 2023 to be eligible for the bonus. I am not satisfied with the outcome as this took a lot of effort and planning and am requesting Citibank to provide the full welcome offer, as their agent had promised. 

TIMELINE OF EVENTS XX/XX/2023 : Contacted Citi service in the Citibank portal for Customers inquiring about my eligibility for a second bonus offer ; spoke with an agent named XXXX. 

XX/XX/2023 : Applied online and immediately approved for Premier card XX/XX/2023 : Qualifying purchase made to meet the bonus terms XX/XX/2023 : Contacted @ XXXX on XXXX and spoke with agent named XXXX who provided XXXX ThankYou points as a consolation
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 and has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL, XXXX - Please Delete Immediately. 
EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JPMCB - CARD SERVICES XX/XX/XXXX JPMCB - CARD SERVICES
Product: Credit card or prepaid card

I received a notification on XX/XX/XXXX that we can shop on XXXX and for purchases over {$300.00} we could request a flex pay of 12 months. 
When we did the large purchase on XXXX Friday sales on XXXX on XX/XX/22 for {$350.00} and for {$1100.00} we only got the 6 months offer from CITI. 
I called on XX/XX/22 to ask why we didn't get the 12 month flex pay as offered on their website when I log into my account. They said I only qualified for the 6 month offer. Which is not what the offer shows on my account. I called again on XX/XX/22 spoke to a supervisor who said I had to show proof of my offer and email it to XXXX which I did on XX/XX/22. Not hearing from them I sent another email on XX/XX/22 asking for an update. Then I received an email from them on XX/XX/22 stating that they lumped XXXX small charges from XX/XX/XXXX - XX/XX/XXXX into XXXX 12 month flex pay???? These purchases by themselves did not qualify for the XXXX flex pay yet they lumped into a 12 month flex pay which they say I wasn't offered?!?! We were asking for the XXXX large purchases done on XX/XX/22. Why do they offer it and not honor the offer? To me this is false advertising. We purchased the large items with the idea that we had 12 months to make the payments. Then today in the mail I get a letter from CITI which doesn't answer my complaint at all. I included a copy of the letter.
Product: Credit reporting, credit repair services, 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. 

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 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 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.