23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

these creditors are removed from XXXX XXXX.
Product: Vehicle loan or lease

XXXX has failed to remove this inaccurate account from my credit report. I do NOT owe Credit Acceptance any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Westlake financial for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score XXXX points .. I have disputed this numerous times and it was supposed to be taken care of along time ago
Product: Credit card or prepaid card

On XX/XX/2019, I made an inquiry as to complete balance due to close my Bank of America credit card. After a very lengthy call and insisting on my part, I received the attached fax with the payoff balance of {$3600.00} as of XX/XX/2019. It was a real issue just to get the fax as B of A refused to do so initially. I paid off the full amount of {$3600.00} on XX/XX/2019 as B of A 's online system showed. There was also a credit balance of {$18.00} which made no sense, so on XX/XX/XXXX, I sent a letter confirming once again that they were to close the credit card account, mark the account as closed by customer and that should have been the end of it. Apparently one department at B of A does not talk to another as I have now received a bill for {$18.00} and a letter dated XX/XX/2019 closing the account and saying I would receive a refund of {$18.00}. No refund has been made. 

I have no idea what B of A is doing and don't believe they do either. I just tried calling and after 15 minutes of automated was told to leave a message and someone would call back in 29 minutes. Of course that has not happened. 

Hopefully B of A will listen to you ....
Product: Credit reporting, credit repair services, or other personal consumer reports

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED EQUIFAX IS IN VIOLATION OF VIOLATING MY CONSUMER RIGHTS ONCE AGAIN. EQUIFAX WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT. EQUIFAX CONTINUES TO DISREGARD EVIDENCE THAT HAS BEEN MAILED IN AND DISPUTED ON THEIR WEBSITE, AND CONTINUES TO KEEP REPORTING THIS AS " VERIFIED ''. HOW ARE YOU VERIFYING INFORMATION THAT IS FRAUDULENT? EQUIFAX ALSO VIOLATED A CEASE AND DESIST IN FAIR CREDIT REPORTING THAT WAS MAILED AND ATTACHED TO DISPUTED ONLINE FOR THW SAME ACCOUNT THAT IS STILL ONMY CREDIT REPORT THAT IS FRAUDULENT. 

EQUIFAX IS IN VIOLATION ( S ) OF : 1.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 2. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 3. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 4.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 5. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 6.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 7.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 8. 18 USC 1028 A AGGRAVATED IDENTITY THEFT 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 10. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 11. 15 USC 1601 CHP.41 - TRUTH AND LENDING ACT MORE VIOLATIONS THAT EQUIFAX CONTINUOUSLY VIOLATES AND I WILL NOT TOLERATE THIS ABUSIVE BEHAVIOR FROM A COMPANY, THAT DOES NOT HAVE A PERSON VERIFY INFORMATION BUT AN SYSTEM. I WILL BE SEEKING {$10000.00} PER VIOLATION AS I SEEK JUSTICE WITH THIS CONTINUOUS ERROR THAT EQUIFAX CONTINUES TO DEFAME MY CHARACTER BY THESE ERRORS. I WILL ALSO BE SEEKING PAIN AND SUFFERING AND OTHER DAMAGES. EQUIFAX CONTINUES TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Debt collection

In 2019, after having labwork done, CCS COLLECTIONS obtained all my information about what type of testing I had done - clearly violating my right to medical privacy. They contacted me multiple times to which I asked them to stop. After speaking with a representative from the company I was led to believe that I had paid off the collection, but was later told that I had settled for a lower amount. The original account holder offered me a payment plan but the collection company had already taken my personal information about my testing. This violated my HIPAA rights about disclosing medical information.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
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, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.
Product: Credit reporting or other personal consumer reports

These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, wihtin my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I HAVE NOT GIVING XXXX MY WRITING PERMISSION TO REPORT ANYTHING TO ANY THIRD PERSON, PARTY.I GAVE A OPPORTUNITY TO CEASE AND DESIST FROM SHARING MY PRIVATE INFORMATION & XXXX IS REPORTING TRANSACTION THAT THEY SHOULD NOT BE, TAKE NOTICE OF 15USC 1681-A titles definition and rules of construction. paragraph XXXX of this section, subsection ( A ) and ( I ) states that a transactions are not included in the consumer report.XXXX action is injuring me and is affecting my ability to purchase with credit and it's disrupting my credit score and it's a violation to the fair credit reporting act
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Account Number : XXXX Original Balance : {$10000.00} Balance Reported : {$8200.00} ( as of XX/XX/XXXX ) Status : Charged Off, {$7800.00} Written Off Reasons for Dispute This account is inaccurately reported for the following reasons : Contradictory Information : The account status indicates that {$7800.00} has been written off, yet the balance continues to reflect {$8200.00} as owed. Reporting a charge-off while simultaneously reporting an outstanding balance is misleading and may violate the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty of consumer reporting agencies to ensure maximum possible accuracy of the information reported. 
Failure to Accurately Reflect Debt Status : If {$7800.00} has been written off, the creditor may have canceled or forgiven this portion of the debt. Failure to update the account status accurately could violate : 15 U.S.C. 1681i ( a ) : Obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. 
Failure to Verify Debt Ownership or Cancellation : If the debt is no longer owed or has been transferred or sold, Experian must verify the information provided by the creditor. Reporting potentially inaccurate or unverifiable information may violate : 15 U.S.C. 1681s-2 ( b ) : Duty of furnishers of information to investigate disputed information and correct inaccuracies. 
Failure to Remove Inaccurate or Unverifiable Information : Reporting incorrect information after a charge-off may violate : 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibition of reporting accounts placed for collection or charged off for longer than seven years from the date of the first delinquency. 
Legal Precedents Highlighting Similar Violations XXXX v. XXXX ( XXXX ) : The court emphasized that credit bureaus must ensure accuracy and correct misleading information after a dispute. 
XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX ( XXXX ) : Reporting inaccurate or contradictory account details was ruled to harm consumers and violated the FCRA. 
Request for Action I kindly request that Experian : Investigate and Verify : Investigate this account and verify the accuracy of the reported balance and status. 
Provide Proof : Provide documentation from the creditor confirming ownership of the debt and detailing why the balance remains listed as owed after the charge-off. 
Update or Remove : Update or remove the inaccurate information if it can not be verified or corrected.
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card account on XXXX and made a charge on XXXX. The statement closing date assigned to my account was XXXX. So I was billed for my charges based on a 2 day billing cycle, with no advance notification. I asked the company to reset my billing cycle to a more reasonable date and credit my account for any fees and interest accrued under the current billing cycle. They refused and offered to close the accoutn.
Product: Debt collection

There were two accounts with XXXX XXXX XXXX XXXX - first account # XXXX, second account # XXXX. Settled in Full with Grant & Weber on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to Grant & Weber. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled.

I called three times to Grant & Weber to find out when will it be  reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Product: Checking or savings account

CFBP HAS FAILED ME FOR THE PAST 3 MONTHS. NOTHING SETTLED WITH TD BANK. I filed 3 previous complaints for same issue. Never received my {$2500.00} for a closed acct back in XX/XX/XXXX!!. They refuse to send the check. They tell the CFBP that they are taking care of it and then the CFPB thinks all is well. I refuse to go to a branch 12 miles from here due to having XXXX  and must stay at home!! Emails and phone calls are never returned. The hold time on the phone is crazy and emails state to call!!. At wits end with this bank. They first said they sent an ACH to acct I sent in the original money from to TD. XXXX XXXX never got it and said it never came in. 2 months wasted. Last month they told CFPB that they are mailing check to my address. NEVER Received. We verified address and XXXX acct numbers also .CAN THE CFPB DO SOMETHING INSTEAD OF JUST SENDING COMPLAINT TO TD BANK AND ASSUMING ITS TAKEN CARE OF?? I WANT A CHECK VIA XXXX NEXT DAY. 4 MONTHS TO WAIT FOR MY MONEY??? HERE IS A COPY OF COMPLAINT FROM LAST MONTH, 3RD COMPLAINT MADE TO CFPB ABOUT SAME ISSUE. 
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the XXXX biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with XXXX XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX  informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission XXXX run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I have been trying to dispute wrong information on my credit report from Global Lending services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

On several occasions over the past year I have attempted to reach out to Chase to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. During this time company failed to receive a pay off for my primary vehicle. This resulted in a series of negative credit reports which were inaccurate and a threat to repossess my vehicle which I owned out right. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report again when I suffered covid a second time and have begun harassing me with calls 2 to 3 times per day. Call ceased at my request when I notified them of my intent to file a complaint.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 American Express XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Demand and notice of intent to arbitrate Promotional Amex Offer for credit card account XXXX To Whom It May Concern : 1. On XX/XX/2019, I received an email ( Exhibit A ) from American Express ( the Bank ) which advertised various Amex Offers attached to my credit card ending in XXXX ( the Account ). One of these offers advertised 10 % back at XXXX. 

2. In response to the email, I made a {$200.00} purchase at XXXX with credit card XXXX on XX/XX/2019. The 10 % cash back did not post. 

3. On XX/XX/2019, I contacted customer service for assistance via chat ( Exhibit B ) and was advised by XXXX that I had already used this offer 5 months earlier on XX/XX/2019. XXXX refused to honor the recently advertised 10 % back offer. 

4. Please pay the advertised cash back in the amount of {$20.00}. 

5. Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Cardmember Agreement which governs the Account. 


Sincerely, XXXX XXXX enc.
Product: Debt collection

Dear Discover, I am writing to inform you that my personal information was recently stolen and used fraudulently. I am a hardworking individual who struggles daily to make ends meet, and this situation has only added significant stress to my life. I have always been diligent in managing my finances, but this theft has caused severe hardship. I kindly ask for your understanding and assistance in resolving this matter as quickly as possible. I hope for a fair solution, as I am doing my best to recover and protect my financial future. 

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

This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to XXXX. Only XXXX and XXXX.