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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, XXXX : {$660.00}, Equifax XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX, XXXX/Equifax : XX/XX/XXXX XXXX Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX  ( 30 days late ) and XXXX  ( 60 days late ) for XXXX  Despite multiple requests for correction through disputes filed on XX/XX/XXXXXXXX  and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I revcieve and Inquires that I did not authorized.
Product: Debt collection

I tried applying to apartments in XXXX of XXXX  but was got denied due to a rental collection of {$7900.00} on my report. This was my first time learning of this. I submitted a dispute through all credit bureaus and called XXXX XXXX XXXX because I have never lived there, and wanted to know how they got my information. They concluded their investigation after I submitted proof that it was not my debt ( police report, FTC report, proof of rental agreement of apartment complex I lived during time of fraud, driver 's license ). They sent me a letter stating they are dissolving the debts, and requested removal from National Credit Systems. ( XX/XX/year> ) I have been in contact with National Credit Systems and submitted a hand-signed and notarized affidavit and all other documents. I have called them daily, and they stated they are awaiting confirmation from the client services department. I have spoken to XXXX, whom informed me to attach the FTC report to this XXXX  complaint so they have a copy. Attached is the letter from XXXX XXXX stating it is not my debt, proof of lease agreement and payment of where I lived during time of fraud, FTC report, Identity Theft Victim 's Complaint & Affidavit, email correspondence with XXXX XXXXXXXX, and the police report. I have exhausted all avenues, filed many complaints, and need this removed as soon as possible to be able to obtain housing. This is a clear case of identity theft. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : XXXX  XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

JPMCB - Auto Finance Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX Inquiry Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.
Product: Credit reporting or other personal consumer reports

I requested this to be removed from my credit report 4 years ago this is not my debt and I want it removed immediately
Product: Credit card

There were 2 fraudulent charges made on my card on Saturday XXXX XXXX, XXXX of {$12000.00} and one of {$250.00}. 

I was not notified by Citi bank and the transaction was allowed and posted on my account, it was not flagged and I was not notified in any way. Even though this was a purchase in a state I have not visited and by far the highest single purchase I have ever made. Now Im over my credit limit and its affecting my credit score. Citi will not give me conditional credit whilst they undertake an investigation. I have checked my credit score and there is a warning for being credit limit and my credit score has actually gone down over XXXX points.
Product: Credit reporting or other personal consumer reports

Addresses are wrong. I never lived at the following addresses XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Debt collection

After reviewing my credit, I noticed accounts that are unverified and accounts that do not belong to me. These accounts MUST be removed immediately if you ( the credit bureaus ) do not provide proof that these accounts were opened by me. I want a copy of the documents you used to verify the validity of these accounts. If you do not provide this information in the next seven days ( 7 ). YOU MUST IMMEDIATELY REMOVE THESE ACCOUNTS. 

Collections XXXXXXXX XXXX investments XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX -SXXXX XXXXXXXX Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX Inquiries -Rise, XXXX XXXX XXXX, XXXX Department of XXXX, Web Bank/onemain/ XXXX, XXXX SXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL NEGATIVE CLOSED ACCOUNTS ARE IN VIOLATION
Product: Credit card or prepaid card

Hi CFPB, I'm at a lost now and hope you can help me find resolution. I've had 4 of my Credit Cards closed by Citibank within the last 30 days, which dropped my credit score by 94 points. They closed it due to inactivity for the past 24 months, which is fair, but no amount of fair warning was provided nor was a non-harmful resolution available by Citi. 

I've had two cards open since XX/XX/XXXX and two cards open since XX/XX/XXXX. All four were extremely helpful to my credit score 's history length section. These cards have not been in use for the past 24+ months, some of them have been sitting idle for the past 5-6 years. 

It is in the Citi 's cardholder agreement that the cards will be cancelled after 24months of inactivity, but this closing was someone at Citi that never did their job and decided to close every credit card all at the same time in this one month. 

Furthermore, the notice they gave me was sent via their website and telling me my account is closed. No fair amount of warning time was provided to actually use the cards and give me a chance at retaining my credit history. The Citi.com website 's message also disappears and deletes itself quite quickly. 

When I chatted with the Web 's customer service help people, they all kept transferring me to the next person and finally told me to call the customer service desk. When I finally did, the agent told me they can submit to reopen each account and each one will require a Hard Pull on my credit report. This will drop my score even further. Citi refuses to help me in any other way and was more than happy to get me off the phone. 

I'm coming to you as a last resort since I'm sure my credit score will never bounce back and will take an additional 5+ years of new clean credit history to build it back up. 

Thank for reading my complain. I apologize in advance if this seems trivial to the major issues other Americans are facing.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against AARGON AGENCY INC for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : AARGON AGENCY INC Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Debt Information : Debt Amount : {$3000.00} Original Creditor : AARGON AGENCY INC Account Number:XXXX My Request for Debt Validation : I sent a debt validation request to AARGON AGENCY INC, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that AARGON AGENCY INC has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with AARGON AGENCY INC, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that AARGON AGENCY INC complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

All parties are guilty of aggregated identity theft. using non public information, reporting experience which is EXCLUDED from CONSUMER REPORTS, no specific factual information. Violations are attached. 

Willful Non Compliance as no parties have legal consent by me on a signed XXXX This DEFAMATION IN THE LIBEL
Product: Debt collection

They offered me a pay to delete. It was removed from XXXX but XXXX XXXX is still showing it and theyre saying it still shows when they pull up my report. I called XXXX and they said they couldnt see the debt at all. After providing some more information they saw it was deleted by IQ data. They didnt report it as pod of anything. Upon further research Ive found that pay to delete is a unethical method used by collection agencies that I was a victim too. Luckily I do have receipts of this to prove.
Product: Student loan

They only gave a 3 day window to cancel. They also did not disclose that they were a private company and that I could consolidate my loans on my own. Should only be required to pay the {$150.00} which they have already deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter  XXXX  completion my credit report should show this debt as closed with a  XXXX  balance. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance.  Review  carefully and follow the law. This debt was discharged in  XXXX  and should show closed and   XXXX   balance. This company intentionally sent out an update after discharge that had inaccurate information.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 
CrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrge off Credit coll charge off XXXX CHARGE OFF XXXX XXXX XXXX XXXX  HARD INQUIRIE MERCHANTS CHARGE OFF Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

On XXXX XXXX, 2024 I made a Cash Deposit of {$300.00} at XXXX in order to cover XXXX " pending '' payments of {$120.00} each to XXXX. However, I received an email from PNC later that same afternoon at XXXX showing that my account now had a balance of {$240.00}, and when I logged on to the PNC website, I saw that the reason why was because PNC had returned the XXXX payments to XXXX XXXX hours later, AFTER I had already made the cash deposit. Why would they do that, especially after I had made a cash deposit earlier that same morning? PNC states that you have until either XXXX or XXXX the next business day to make a deposit if your account becomes negative, and to avoid any fees or returned items. I have included screenshots of my account and deposit, along with a text message that I received today from XXXX  advising me to contact them because of my payments being returned. I was told that it could cost me {$70.00} to reconnect my phone lines should they disconnect them due to the fact that PNC had returned my payments. Absolutely absurd!!!! 

I honestly don't understand why the CFPB and the OCC continue to allow the financial institutions in this country to blatantly wreak havoc and steal from their depositors without any type of repercussions or responsibility. These banks have absolutely NO REGARD for their customers and continue to steal millions of millions of dollars from their depositors every year in bogus fees, which is nothing more than CORPORATE GREED and legalized theft!!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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: Vehicle loan or lease

GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Money transfer, virtual currency, or money service

my friends account was hacked and the hacker used it to log into my cashapp they had two accounts they sent money too I lost {$120.00} I tried talking too cashapp support but nothing I tried to talk to the hacker but they didn't listen
Product: Credit card or prepaid card

I am writing to request your assistance with receiving documentation of resolution of fraudulent charges that were made to my Citibank XXXX XXXX Master Card Account. Last fall, I received a notice that {$30000.00} in charges were made to my credit card account.This is a credit card that I have not used in several years and I never made these transactions and never received any bills for any of the transactions in question. 

I was advised by Citbank customer service that an investigation would be conducted and that I would receive an update when the investigation was completed. During the past 6 months, I have continuously received notifications that I have been sent to collections to make arrangements for payments. Over the past 2 months, I have called Citibank customer service and I have been told that the case was resolved and that I would be receiving a notice from Citibank to verify the completion of the investigation and to confirm that I am not responsible for any of the charges incurred and that collections agencies have been notified. 

During each call, I have been told that I would be receiving this notification within a week. I understand that you have a large volume of fraudulent cases. However, I am frustrated that I have not received a single letter, call, or email from Citibank to advise me of the status or the resolution of the investigation. I am deeply concerned that my credit rating has been compromised as a result of this fraudulent activity. 

I simply am asking for an official letter or email to verify that the investigation is completed and that I am not responsible for the charges and that my credit is in tact. I am a responsible consumer and am frustrated about the amount of times that I have had to call to inquire about this without any resolution. 

Can you please help to rectify this situation? If you have any questions, you can call me at XXXX. 

Thank you for your attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX