23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX XXXX Card sent me notification via mail and phone that I was delinquent on a my XXXX card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. XXXX never provided any such documentation. The XXXX hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. XXXX never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, XXXX using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing XXXX called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the XXXX. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX XXXX favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve XXXX card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from XXXX card, and have 2 of the debt collection letters one from XXXX and one from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " XXXX percent rates '' and " Earn Miles ''. Some of the offers are even personalized inside, addressing me by name saying how XXXX wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / XXXX say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Product: Credit reporting or other personal consumer reports

I received an alert that there was a change to my credit report. Upon further discovery, Eastern Account Systems negatively and fraudulently reported a collection on my credit report. I never have a relationship or account with Eastern Account Systems or with their associates or affliates. I request that they remove the negative item immediately from all bureaus : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a XXXX XXXX for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested XXXX XXXX XXXX which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. 
They need to be more truthful about receiving the information THEY requested.
Product: Checking or savings account

I checked my balance on XXXX  XX/XX/XXXX with my Capital One Checking account and saw that someone had used my debit card number to order {$850.00} worth of XXXX XXXX  and XXXX. I dont have an XXXX XXXX  account and my last XXXX order was in XXXX. Then saw that they used the card to buy fake hair extensions for {$580.00} from a company in XXXX. Totaling {$1400.00} stolen out of my account. This happened within two days. I called as soon as I saw the fraud and filed a report. Clearly this isnt normal. Instead, they denied my claim and said it was within my normal spending habits and I took to long to file a claim. Who spends over {$800.00} on food delivery in 2 days? With multiple transactions back to back all day long for two days. Capital One saw nothing wrong with this. Then a {$580.00} purchase for womens hair extensions in XXXX. Im a male with a buzzed head. Why would this be me? Or how. After they declined my claim, I called back to get information and re-opened the case with more researched facts that they could use. I had to investigate myself and find things for them. Emails, phone numbers, contacts. They just declined me again yesterday. Im in complete shock that a bank would do this to someone. Ive never filed a claim with them. That money was suppose to pay my rent and it was stolen and my bank is doing nothing to help me. They dont care that I was stolen from, as long as they dont have to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus regarding a PAID OFF account that was opened in XXXX. I haven't received a response in over 35 days. XXXX and XXXX has since deleted this account from my credit report while Transunion report is still open. It is well over 30 days again and the account still hasn't been updated or removed.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the inaccurate and inconsistent reporting of the XXXX account with account number ending in XXXX. Upon review of my credit report, I have identified multiple discrepancies and possible violations of the XXXX XXXX reporting guidelines. These violations compromise the accuracy of my credit report and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the highest standards of accuracy in reporting consumer information. 
Specific XXXX XXXX Noncompliance Violations XXXX. Inconsistent Account Classification The account is reported under varying creditor types across bureaus : " Student Loans, '' " Miscellaneous Finance, '' and " Government Student Loans. '' The XXXX XXXX guidelines require consistent classification across all reporting agencies, especially for a federallybacked student loan. 
XXXX. Discrepancy in Dispute Status The " Dispute Status '' field inconsistently reports whether the account is in dispute. 
XXXX marks the account as " Account Disputed, '' while other bureaus do not. This inconsistency is misleading and fails to comply with FCRA Section 611, which mandates clarity and uniformity across all reported information.

3. Inaccurate Creditor Remarks The remark Subscriber Reports Dispute Resolved - Consumer Disagrees is present on some reports, while similar but varying comments are seen on others. XXXX XXXX standards require uniform remarks if the same dispute status and resolution have been applied across bureaus. This inconsistency is confusing and does not meet XXXX XXXX guidelines. 
XXXX. Inaccurate Late Payment Status Reporting The report indicates " 90 Days Late 7 Times '' without providing specific months and years for each instance. The FCRA and XXXX XXXX guidelines require precise documentation of each late payment instance to ensure the consumer is accurately informed. The vague reporting of lateness without dates is an unacceptable practice and could result in consumer harm due to misinterpretation. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 623, credit bureaus and furnishers are required to ensure that all information is " complete and accurate. '' The inaccuracies noted in the XXXX account reporting constitute a clear violation of these requirements and demonstrate potential negligence in the handling of consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer and my credit report is not reporting 100 % maximum accuracy and it has caused me a great amount stress, I can not get approved for anything and I becoming XXXX  due to the fact my information is in someone else 's hands and is not being investigated properly and being misused. XXXX, Experian, and XXXX keep stating these accounts are verified that they are all reporting accurate which is false, they all hold different information on each bureaus, In accordance to something called the Fair credit reporting act XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXXXXXX XXXX Account # XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 with out my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with EQUIFAX regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries. 
I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that XXXX conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Checking or savings account

I received a mail piece offering to open a Citi checking account with qualifying actions to received XXXX Thank You points. Despite completing all qualifying actions I was unable to use the points. 
Listing below the events in chronicle order : 1. Opened an account on XX/XX/XXXX 2. All required actions were completed on XX/XX/XXXX ( this has been confirmed by numerous Citi representatives ). 
3. On XX/XX/XXXX supposedly XXXX Thank you points were credited to my Thank You account. 
I didnt receive any email notification nor did I ever see those points on my online account, even when trying to log in directly to XXXX. 
4. On XX/XX/XXXX I contacted the Citi Customer service asking about missing points, # XXXX. They suggested opening a case so this can be investigated. Customer representative informed me itll take 3-5 days to get a response. 
5. When 5 days expired I called the customer service again, they asked to wait up to 21 days for a resolution due to Citi having too many inquiries at the moment.

6. On XX/XX/XXXX I received a resolution on my request # XXXX stating that XXXX Thank You points were credited to my account on XX/XX/XXXX. 
7. On XX/XX/XXXX called customer service representative to help me see/use the points since they were still not visible on my account. They claimed that points expired on XX/XX/XXXX ( 60 days after they have been credited ) 8. Opened another dispute XXXX and on XX/XX/XXXX got a response that they cant do anything. 


While I understand that points were set to expire in 60 day, first time when I called Citi I as within the terms and points were supposed to be active. The actions taken by Citi to investigate the case made points to hit the 60 days expiration term. 
I was never given an opportunity to use the points, despite completing all requirements to get them.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.
Product: Bank account or service

Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account. I do not have an account with XXXX  XXXX. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to XXXX XXXX. This account is reporting fraudulently and needs to be removed from my credit file immediately.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/2019 I had fraudulent charges show up on my hsbc account hsbc notified me of the charges they cancelled my card and sent me a new one but then they transferred the fraudulent charges to the new card I called and notified them of the mistake but they wont remove them and they keep adding fees to fraud charges I have spent hours on the phone with hsbc and recieved many calls from the collection department but there collection department doesnt handle fraud charges so it ends up recurring over and over I have not used my hsbc card since I was notified on the XX/XX/XXXX and I have not used the new card hsbc sent me yet my account is showing 2 cards with a total of XXXX
Product: Debt collection

I have a collection agency ( Midwest Service Bureau ) trying to collect a debt that is still tied up in a Medicaid appeal. I forwarded Midwest Service Bureau the directions and explanation by the State of Kansas to return this debt to the creditor ( XXXX ) and have the creditor ( XXXX XXXX XXXX. ) file the claim with the State of Kansas Medicaid. I have also requested Midwest Service Bureau remove the negative on my XXXX credit reports while this debt is returned to the creditor 's responsibility ( XXXX XXXX XXXX. ) to file with the State of Kansas Medicaid. In reply I received a handwritten letter from Midwest Service Bureau dated XXXX XXXX, that I have until XXXX XXXX to contact them ( Midwest Service Bureau ) in paying this debt. Midwest Service Bureau also enclosed a very unprofessional billing that appears to be a old bill from the creditor itself. ( XXXX XXXX XXXX. ) But there is large areas blacked out by a marker or something to hide something. Then below is a list of + and - dollar amounts that have no explanations. I requested a debt validation and this is what I received along with the XXXX XXXX deadline to contact Midwest Service Bureau. And no street address given. Just a XXXX XXXX XXXX
Product: Checking or savings account

When I opened the checking account, it came with a XXXX points which Citibank didn't honor in the first place. After filling CFPB complaint, Citibank finally " found '' the recored and deposited the points. I combined the points into my credit card account and closed my Citibank checking account. The agent did not mentioned that there was an expiration date for the combined thankyou points. I was trying to redeem these points on XX/XX/2019 at XXXX but Citibank thankyou points system had problem to process the payment. I called Citibank at XXXX for 17 minutes. The agent said there was a system issue to process the payment and did not mentioned about the expiration date either. Today, I found out my points were missing, and I called in. The agent told me that my points were expired on XX/XX/2019. The citibank thankyou points agent once again could not find any record that I had called on XX/XX/XXXX. After transferred to the supervisor, once again they " found '' my calling record on XX/XX/XXXX that I tried to redeem those points but I could not due to Citibank 's system issue. Despite not telling their customer about the expiration date, they did not let customer redeem within the expiration date. Moreover, they always could not find record regarding their own promotion. Even they finally honor their promotion, they will have system error to not let you redeem your points. It's pretty ugly business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit belonging to GM Financial. I purchased a car from XXXX XXXX XXXX in XXXX. In XXXX my job was moving me out of the country and I did a voluntary surrender on this car. In XXXX I had a balance on the car of {$14000.00} but we settled on a balance of XXXX ( see Exhibit A attached ). In XXXX of XXXX met with a judge and agreed on an amount to have taken from my paychecks to satisfy the account. I was garnished from XXXX to XXXX. To my knowledge the balance was satisfied. I held the same job with the same corporation the entire time. But this account is STILL reporting on my credit with a balance of XXXX. This is an illegally calculated and reporting deficiency balance. I have reached out to GM Financial multiple times and received nothing but the court documents. Nothing relating to the satisfaction of the judgement. I find it hard to believe that 10+ years of garnishment has not settled this debt. I am desperately in need of help. According to my credit reports, my last payment was in XXXX, inaccurate! Just with the dates given and proven in the documents attached, this account is FAR past 7 years from default. I will fight with the courts on the satisfaction of the judgment but PLEASE remove this illegally reporting account from all of my credit reports. Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when all transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.