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

My account was summarily closed after some 25 years of a solid relationship, our always paying the full amount charged each month. We are XXXX XXXX, XXXX with XXXX XXXX, the other XXXX XXXX XXXXXXXX XXXX, having only XXXX credit card. Thus it's closure leaves us without means to have groceries and other essentials delivered as the pandemic and our personal handicaps have necessitated. When I phoned customer service to remonstrate I was told the account was closed at my own request. If that is Citibank 's impression it could only be a mistake, perhaps due to misunderstanding telephone language or computer mishandling, and it seems contradictory to the paragraph in the card agreement pledging fair treatment to all regardless of age and limitations. I had earlier asked for a copy of the card agreement in an effort to understand the company 's interest system, since my last statement carried a significant interest charge for the very first time. The company has rejected my plea for reinstatement.
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 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 wihtout 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, 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 innaccurate.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. To date YOU HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. I am writing to formally request, for the third time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence, nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Product: Checking or savings account

I have previously filed a complaint about an electronic transfer made by my bank, Wells Fargo, to XXXX, at my request to pay a bill. That was XX/XX/2017. Despite numerous calls with both Wells Fargo and XXXX, to date, Wells Fargo has not located my money. XXXX states they did not receive the money, while Wells Fargo claims they sent it to XXXX, but it still has not been located. This was a XXXX payment that can not be found. I have no escalation path with either Wells Fargo or XXXX XXXX  -- they both closed my claims, and I DO NOT KNOW who has my money. Please help me.
Product: Debt collection

Synergetic Communication, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IDXXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX  XXXX XXXX County XXXX XXXX , New York [ XXXX ] U.S.A This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). 

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 


I demand the following accounts be verified and removed immediately. 


In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX XXXX XXXX, Ens legis
Product: Credit reporting, credit repair services, or other personal consumer reports

Between, Experian, XXXX  and Experian is a violation act of the XXXX Reporting inaccurate date last active or last payment are not the same in each credit bureau
Product: Money transfer, virtual currency, or money service

Hi there, I initiated a money transfer through Western Union Money Transfer company on XX/XX/XXXX. They promised that the funds will be available into the receiver 's account within 5 business days. But, it was not available even today which is XX/XX/XXXX which is more than 2  months. I was even not able to get any information on the issue. The only information I can get is that there was a pending verification. This is the only information I can get from both my online account and even from the Western union customer care. I did all the procedures which they had suggested me. I was keeping n calling them from these 2 months as there was an urgent need of this money to my receiver ( my father in XXXX ) but none of them were able to solve the issue. I was kept on call being transferred from one department to other department. I literally spent atleast 40-60 hours on call and chat with them. But each time they kept considering the issue as new one. I didn't see any kind any progress on my issue. Finally, I was fed up and lost hope that the issue would be resolved. Hence, I'm filing this complaint. Hope, the department would take necessary action and help that my funds would be available to my receiver. Thank you.
Product: Student loan

I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX
Product: Credit card

I have/had a XXXX XXXX XXXX  through One Main Financial and was issued by XXXX XXXX  XXXX I closed the card over a year ago but continued making the minimum payments as needed. After making this month 's payment ( XX/XX/XXXX ) through the app, I logged back in to verify that it was applied to my balance. I found out that I no longer had access to the account through the app or the web. There was a message to call the customer service number : XXXX. When I called the number ( first called on XX/XX/XXXX ), I was told my account was in their collections department. The representative said they would transfer me, but the call simply goes through the initial greeting with prompts to verify my information then returns the call to the regular customer service folks. A representative gave me another number to call : XXXX. I had the same results as the first number, the call never reached the collections department. Another representative gave me this number : XXXX, same result, no contact with collections department, and lastly another representative gave me this number today ( XX/XX/XXXX ) : XXXX. This is not even a One Main phone number. 

I don't know where to go or how to proceed. I want to be able to continue making payments. The last 4 numbers of the card are XXXX. 

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

I am very distressed. I have sent this company a 609 letter back in XX/XX/XXXX and it has been well over 45 days. if this company can not validate these debt within 30 days then these accounts must be removed. there has been misleading information published on my credit report that I never gave Equifax written consent or authorization to procure or produce with my information. To my knowledge, according to 15 USC 1681a ( 2 ) due to the nature of this consumer report, it has defamed my character to lenders and held me back from getting my home and other things. There have been accounts disputed many times because of this violation and equifax sends me results stating the derogatory alleged debts are validated. To my knowledge according to 15 USC 1692G debt collectors are required by law to meet the 5 requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts. Remove these alleged debts in question immediately.
Product: Credit card or prepaid card

I used the care credit app to pay my bill every month with an extra payment every month. About every 6 months to a year their system decides it cant find my bank account linked to my debit card so my payments don't go through and i dont catch it until i go to make my next payment. I pay the amount due every time to fix it. They say it doesnt go through again and put a hold on my account. I call pay up and try to tell them that their app isnt working. They blame me saying its my bank or insufficient funds. Which has never been the case and they put it on my credit score. I tried to dispute it and never heard anything back. This time they closed my account without telling me. They say they tried to call me but i never got a message from them. No letter in the mail, no email. Nothing. So i call and ask what happened. They say they never got my payments. I said the app messed up again in XXXX but i fixed it this month. They said its my fault not the app and theres nothing they can do. I ask to dispute it again and this time they say no because the account is closed. I asked to talk to a manager and they had me on hold for an hour. I never got to talk to anybody. They keep telling me its my fault but i make my payments their app is messed up and they need to send me paper statements or emails and they say theres nothing they can do and its my fault. Again.
Product: Payday loan, title loan, or personal loan

My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX  to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urgently request that you take immediate action to eliminate the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not consent to or initiate these accounts, and it is unjust for me to bear responsibility for them. Please address this issue promptly.
Product: Credit card or prepaid card

ATM didn't return my card back and now is impossible to have a replacement because they are not able to find my data in their system. I helped them with the data in the XXXX portal but it is useless for them and calls never resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account XXXX : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number ( XXXX  ) : XXXX Reported Date ( XXXX ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC ) under Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with TransUnion, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A student loan from the US Department of Education was taken out in my name in 2012. I contacted the US Department of Education about the loan and after a lengthy back and fourth struggle, they took the loan off my name.Once I obtained my credit report I noticed a derogatory mark on my name. It was from the US Departments loan that was fraudulently put in my name. Since the loan was removed from my name, all marks and wrongful accusations should be removed also. It is bringing my credit score down because of its negative remarks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is XXXX XXXX not XXXX XXXX in which shows on my credit report