23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was served papers by a process server on XX/XX/XXXX. I was sued by Citibank in XXXX XXXX XXXX XXXX XXXX over an uncollected debt for {$5400.00}. The case number is XXXX. The complaint refers to a " My XXXX XXXX XXXX XXXX  '' branded credit card. I have never had a XXXX XXXX XXXX XXXX credit card. I experienced an identity theft situation in XXXX, and locked my credit at that time. Other companies, like XXXX, sent me queries since that time about credit cards that were attempted to be opened in my name. 
But Citibank made no effort whatsoever to contact me about this debt ; they just sued me years after the debt was fraudulently incurred by someone who stole my identity. The address listed as my address in the complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not and has never been my address. The process servers managed to figure that out but Citibank did not before they sued me.

I only recognize this address because XXXX sent me a credit report on XX/XX/XXXX, that included this erroneous address as my address as of XX/XX/XXXX. This is not true, I never lived at this address. I attempted to correct this with XXXX but I am not sure whether that was resolved. 
I have 30 days to respond to the court about this. 
If it is useful, the debt collector 's name is XXXX XXXX, # XXXX ( I believe that number refers to XXXX XXXX XXXX California debt collection license ), and the law firm is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am in the process of applying for a consumer loan ( XX/XX/year> ) with a finance company. I already have one loan with the company, so my information is in their system. 

However, when the loan company tried submitting my name, address, social security number, and date of birth, a message stating that my XXXX and Transunion credit reports were frozen. I contacted both credit bureaus ( created an online account ) and went to the section on freezing information. No freezes were located on either of my credit bureaus. On XX/XX/year> I contacted the loan company with this information. The loan company resubmitted my information and the same message from the day before was shown... the my credit reports were frozen. 

Neither XXXX nor Transunion will explain how to remove the freeze from my credit reports so that I may apply for a loan.
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 XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This account was put on " paper suppress '' and I didn't receive a statement. Once I found out there was an amount owing I paid the account in full however it had already been reported to all three credit companies as late. I explained the issue and was told I needed to submit additional paperwork which I have. Last, I received a letter my request was not approved however I don't understand why. I've had this account for 18 year and never been late. No one at the company can explain why. This accounting closing lowered my credit score by 100 points since it's one of the oldest accounts I have.
Product: Checking or savings account

I was told on XX/XX/XXXX that my personal checking account was over drawn and that a purchase came in from XXXX for {$12.00}. my account overdrew for {$8.00} and that was the balance on XX/XX/XXXX. I have not been using that account and it was positive. Iwas not aware they charge {$8.00} recurring charges daily. I think it's ridiculous. Now my account is negative {$80.00} because of this {$8.00}. I would like to close this account. The bank should have never paid it when the account did not have enough money. I had {$4.00} in my account at the time. I want them to remove the fees. They need to re do the policy about overdraft fees.
Product: Credit reporting or other personal consumer reports

There are a few billing discrepancies on my credit report, including inaccurate late payments. These don't reflect my payment pattern, so please correct them and update my account. Thanks!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX- XXXX XXXX XXXX, reference XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was apart of the Corinthian colleges borrowers defense loan dismissal back in XXXX. I was approved 100 % for this loan to be forgiven/dismissed. I have called several times in regards to this being removed off my credit. I am current in the process of trying to buy a house and this is not removed. I am highly distraught by this. This has not only affected my credit but also my health as i am in constant distress. My case number is XXXX. This needs to be removed from my credit as it is hindering me from buying a much needed dwelling for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police 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, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, US DEPT ED,  XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit card or prepaid card

I bought a golf cart on credit and my first payment was due XX/XX/XXXX. I went online to the credit cards website on XX/XX/XXXX to pay my bill and a late fee was assessed on XX/XX/XXXX! I contacted them on XX/XX/XXXX to request this be removed immediately and to confirm back it was not reported to the credit bureaus. They have not responded to me yet ... 3 days later. 

I want this resolved and I also want the proper authorities to have this company stop the practice of levying late fees BEFORE a due date!!
Product: Credit card

And please refer to my previous statement dated XX/XX/XXXX  So again UNACCEPTABLE. You have no explanation in regards to what I said about the agent who filed the dispute, no comment whatsoever. Both my time and energy were wasted And not that I owe you any explanation, but the reason I had requested to dispute the charge when I did is because I didnt notice the same charge on my other bank statement until the same day I called in. I do have a life and cant sit there monitoring every single transaction that occurs on my accounts. Have a splendid day
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed several Inaccuracies on my accounts. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I am also asking for a copy of the original documentation. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It Also States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a XXXX XXXX World Elite XXXX through Barclay Bank. 

I discovered today my credit line on this account had been decreased from a limit of {$4000.00} to a limit of {$2300.00}. 

When I called Barclay to inquire why this happened, I was given the run-around, by an associate named XXXX, and told that my credit reports were " pulled '' and my " balance to ratio limits were high. '' I have no idea what the associate was referring to. However, I was recently notified by the major credit reporting agencies that my information may have been exposed on the Internet during the recent data breaches. As of today, I have no knowledge of anything negative or adverse on my credit reports as a results of the data breach or any other reason. 

XXXX was unable to help me, but told me I needed to contact XXXX XXXX at ( XXXX ) XXXX. The problem is, there is a recording when you call this number, which hangs up on you. 

Additionally, I find it appalling this company had the audacity to reduce my credit line. I have been a PERFECT customer to them! I have never missed a payment or made a late payment -- in fact, I usually make my payments early. 

I have excellent credit. I own my home " free and clear. '' I 'm a XXXX XXXX, I make well over {$200000.00} a year in salary, which I presume, more than qualifies me for the small credit line of {$4000.00} I was originally offered ... 

In any event, my relationship with Barclay has been flawless. There is absolutely no just cause for this decision and I feel it was completely arbitrary and unfair. I have been a great customer with a flawless payment history. I have done nothing which warranted this action against me. I feel my credit line should be increased, not lowered!
Product: Credit reporting

On my credit report from Equifax it shows a bill in collection. I called this company, all bills are paid on time. I need this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three reporting agencies have incorrectly stated that my oldest account is 10 years old when my oldest account is 20 years old with XXXX. { one more ridiculous XXXX XXXX XXXX see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all 3 lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all 3 should be XXXX thats post XXXX XXXX unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to  XXXX   XXXX  for " incorrect name '' on personal information. My name is  XXXX   XXXX   XXXX . My maiden name is  XXXX   XXXX . I have no middle initial. My email address is  XXXX  XXXX  XXXX .     Thank you,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B means that incorrect accounts must be removed from credit reports. Could you please review the documents? There are some wrong accounts on my report, and it's making me feel uneasy.
Product: Debt collection

I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This debt is inaccurate and/or fraudulent. The original debt was with XXXX XXXX It was a debt that was supposed to be paid by a former employer under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The medical debt has already been removed from my report in XXXX Wakefield and associates lists XXXX XXXX XXXX as the original debt holder. This is inaccurate and false. Likewise Wakefield did not contact me or give an opportunity to dispute the debt prior to placing the debt in my credit report. Debt is also part of a current civil litigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance with correcting an error on my credit report related to a late open account. This letter marks my first attempt to resolve this issue through the appropriate channels. I have recently identified a late open account on my credit report that I believe is inaccurately reported. The details of this account do not accurately reflect my credit history, and its presence is negatively impacting my creditworthiness. I trust that you will help me prioritize this matter and take swift action to resolve this dispute and restore the accuracy of my credit report. Please help me correct this account immediately : XXXX XXXX XXXX XXXX Balance : {$XXXX}.
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 - XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing Information XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  Inquiry : XXXX XXXX, XXXX Travel/Entertainm DISCOVER BANK  XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX 4
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide consumer with proper method of verification of 2 allege XXXX late payments. On XX/XX/21 Experian sent consumer an XXXX response claiming to have verified this dispute but failed to provide me with documentation they recieved from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.
Product: Credit card

In XXXX 2015, I asked Citi credit cards to review my XXXX XXXX account in accordance with the Servicemember Civil Relief Act. I was told that this credit card account was not subject to SCRA.