23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

SXXXX XXXX XXXX XXXX XXXXXXXX - Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continue to report incorrect information on the account listed as XXXX XXXX XXXX there are several inconsistencies the biggest being the account listed as a charge off. 

The inconsistencies are as follows : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Home Furnishing Finance Companies - non specific Account Type : Installment account Secured Loan Furthermore any account charged off with a balance belongs to the consumer so how am I indebted? This account can not have been validated with all the information being different. 

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Checking or savings account

On XX/XX/XXXX I have written a check for over {$51000.00} in order to close both of my accounts at Citibank # XXXX and # XXXX. Subsequently I have received a call from Citibank confirming validity of the transaction and during which I indicated both my checking and savings accounts closed upon the checking being cleared. I was confirmed that that will be done. On XX/XX/XXXX I have received a notice by email indicated that the account wasn't closed as per my wish and the account is now overdrawn ( I presume this was done by the account fees which incurred after my request ). 
Subsequently I called the number XXXX and after getting through Citibank 's automated system that informed me that the long will be wait to get a CSR online. However at about XXXX into a call the CSR appeared and after confirming my account numbers I was without warning put on another hold. At exactly XXXX the call was disconnected. 
It appears that the Citibank is not only not listening to the customers wishes in regards of their money but it also prevents them from closing and inquiring the accounts by playing tactics such as this. I expect my accounts closed as per my XX/XX/XXXX request and take care of all the fees as they were imposed unilaterally by the Citibank contrary to my wishes. I think it is reprehensible that the bank treats customers this way further reinforcing my decision as right one.
Product: Student loan

Aidvantage allowed identity theft to occur on my behalf using my personal information. I have never had a student loan in my life. Since that time, my attorney and I have sent them an FTC affidavit, multiple letters, and additional information requesting them to remove the fraudulent account. We've also asked them to contact the Department of Education about the fraudulent account. However, they have not taken any action. They have not cooperated at all. XXXX months later, they still refuse to do the right thing and won't even respond to my attorney 's letters. They failed to exercise proper due diligence. Once they issue collection notices again, I will file a claim in the local court. I am seeking {$100000.00} for the distress they have caused me and damages along with fraud Aidvantage has coerced in. The conduct of the individuals running Aidvantage is reprehensible.
Product: Debt collection

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that Jefferson Capitol verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting or other personal consumer reports

It has been a whole year and no relief so my issue is with XXXX, XXXX, and Experian with their reporting of a loan company, XXXX XXXX XXXX, in which each reports a 30 day late when in actuality I used their app to close the account in XXXX of XXXX. I have proof that their app was not working properly but I didn't catch it until XXXX because I noticed a XXXX charge. I will attach the email where an agent of XXXX XXXX XXXX talks about the app and guides me through the cancelation process. This was their error, not mine. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This seems deliberate and is hindering my rights to fair credit while I am currently seeking a mortgage and other credit. XXXX XXXX XXXX has been compensated. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. This is a blatant violation of my rights to fair credit and it is overwhelming. I am tired of being denied credit and having my rights violated. As a veteran and a consumer, I should be treated fairly, as should anyone any consumer any American.
Product: Credit card or prepaid card

Company has stated that refund is forthcoming since XX/XX/2022, and refund has yet to be received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX Reason This collection is not my account. 
Not mine, I never had an account with this company. 
Not mine, I never had an account with this company. 
I never made a late payment on this account, please correct. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Product: Credit reporting or other personal consumer reports

To whom this may concern I am taking this time to write you in reference to updating my personal information with your company.

Please update my personal information. There is only one proper spelling of my full legal name which you can find in the attached documents I have provided. My only address in your records should be the address listed on my state issued license which I have provided a copy.

Remove all of the other addresses off of my credit report. I have no association with any other addresses. The post office will not be able to deliver to inaccurate addresses.

I DO NOT HAVE A EMPLOYER : Remove all phone numbers on my credit report. You are violating the Fair Credit Reporting Act since my personal information are not accurate.
Product: Debt collection

I have a judgment for XXXX from XXXX XXXX XXXX small claim. I requested in court payment plan which was approved starting XX/XX/XXXX, debt collector cant lawfully ask for any payments until I default after XX/XX/XXXX and still after that date there is a process where to have to go to court to get the approval from the judge to collect. 

Kimball , Tirey & St. John LLP lied saying their client didnt get a copy of my request of making payments when in fact they have to approve my request and sent it back to court to make that possible, and I was approved to pay XXXX $ starting XX/XX/XXXX for 5 months until I complete XXXX $ owed Kimball , Tirey & St. John LLP XXXX tactically pushing me to pay weeks in advance of the approved date to start making paying and skipping in advance the corresponding process where they have 30 days to enforced a judgment in court after XX/XX/XXXX. In other words they are using methods to before date is due to have me pay them. They cant ask for anything past 30 days from XX/XX/XXXX if If defaulted
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I received from Experian credit reporting agency the results from an investigation. Experian did nothing because the before and after investigation is all the same. I am uploading pictures to show proof. Experian writes they have updated the information and review my report. First off this XXXX  XXXX XXXX account is fraudulent. I have been disputing this for over a year now. It is extremely frustrating that my credit is being impacted in a negative way for a fraudulent account.
Product: Credit reporting or other personal consumer reports

I the consumer XXXX XXXX is making a statement I had an unauthorized account on my credit report such as XXXX XXXX which was deleted from my credit report ( Equifax ) XXXX XXXX and reinserted XXXX XXXX without following the proper reinsertion procedures which is a violation of the FCRA. According to section 611a the furnishers must certify the information is accurate before they report the account back to a consumer report, which means validation of debt should be shown to the consumer which Ive asked for more than 30-45 days, and according to the law it must be removed from your credit report if the information hasnt been given within the time frame, also the credit agency must notify the consumer about the reinsertion which I wasnt notified. Prohibition against reinserted information FCRA section XXXX allows consumers to recover damages and attorney fees for willful non compliance by consumer credit reporting agencies. Consumers can recover statutory damages of at least {$100.00} and no more than {$1000.00} anyone who willful fails to comply with consumer credit reporting agency requirements can be held liable. Consumers can sue for damages, attorney fees, and punitive damages. law code XXXX U.S.C XXXX which covers civil liability for negligent non compliance under the FCRA. I ask for XXXX XXXXXXXX and Equifax held responsible of the errors, non compliance, negligence, and violations.
Product: Debt collection

I am making a dispute against  XXXX   XXXX  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices AC T, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION mad e pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This  action constitute fraud under bo th Federal and State Laws.
Product: Bank account or service

Signed up for a {$400.00} checking account signon bonus in XX/XX/XXXX. As of XX/XX/XXXX I have yet to see the bonus credited. From day 1 I should have realized banking with Citibank was a mistake as they took forever to put in my initial deposit which was in the online application, but somehow overlooked. A trip to the branch could n't even get the initial deposit completed and I had to personally call their XXXX number to get it done. Citibank also had very poor handling of new accounts created online and never sent out any confirmation of account opening. Now come XX/XX/XXXX and I 've been patiently waiting for their bonus which they say they will credit, but they keep sending the issue to research and it is yet unresolved. First they say they do n't have a XXXX form, which I filled out within two weeks of opening the account and handed personally to an account representative at their local branch. That means their online banking entity is completely separate from their branches or their system is so poor that they are n't in sync. I mailed another form in and after calling them they confirmed that they received it but still waiting for that bonus to be funded. A week goes by and now it is high priority researching status again. My experience with you shows you are unprofessional, unreliable, have poor communication, inefficient, and not trustworthy to do business with. No way do I want my money in your bank. Citibank you have totally lost me as a future customer.
Product: Debt collection

I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
Product: Checking or savings account

This a follow-up to complaint XXXX. 
Citi states that I did not receive the {$700.00} bonus because the checking account " does not have you as the first signer, therefore, you did not complete the required activity to receive the {$700.00} Bonus. '' This is a joint checking account with my wife. The " Terms and Conditions '' do not make any mention of joint checking accounts, let alone requiring that I be the first signer. All signers to a joint account have the same rights and privileges regardless of the order in which they signed. Most banks do not differentiate between signature order. Your " Terms and Conditions '' do not indicate that Citi makes that distinction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXdit Reports. The XXXX Credit Bureau is reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. There was definitely an error on their part. 

SYNCB/XXXX XXXX Opened : XX/XX/2007 XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report show cc to syncb/bp ... I complained to them and they said it is my account and I should call BP MYSELF XXXX..called them on XXXX and they do not have an account in my name and would send a letter to XXXX to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX again I always pay over the amount do on all my cards ... .this is not mine..XXXX   confirmation XXXX ... BP said it would be corrected within 30 days..well 30 days is up and it is still showing up on XXXX report