23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

n XXXX Snow and Sauerteig Collect have been on a mission to ruin my life for 3 years now. I was dragged in and out of pre court hearings for months were they repeatedly told me the only way forward was to sign their documents obligating me to pay over {$5000.00} for some wrongfully charged medical bills. 

At this point I was heavily pregnant, single, raising my XXXX XXXX XXXX working full time and getting through my final semester of college with 7 classes. At the time of my hospital visits ( XXXX ) I was on XXXX but not fully covered due to my immigration status. My coverage was for emergencies only of which I had visited the hospital while XXXX XXXX XXXX XXXX XXXX. Despite having the coverage, I still received thousands of dollars in bills for having a XXXX and visiting the hospital. I found out about a pro bono lawyer XXXX XXXX who was kind enough to fight for my rights and had the 2 cases dropped with no prejudice in no time About 3 months later in XXXX of XXXX another collection amount was added to my credit report without by Snow and Sauerteig without notice and I reached out to explain that I we had already gone through this and had similar charges dismissed with prejudice, I had been overcharged by hospital as a XXXX cardholder and referenced the other two cases asking them to stop doing this to me. At that point I had a moved out of the state XXXXXXXX to XXXX after having my the XXXX XXXX XXXX baby and simply didnt have the time or energy to go back and forth again but Snow and Sauerteig never responded or removed collection from my report.
Product: Checking or savings account

Someone took money off my bank account without my permission so I file a claim on my account now they saying they closing my account. Without a real reason XX/XX/
Product: Debt collection

I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Report has been filed along with 605B. Experian, XXXX, and XXXX have been notified twice about this matter!
Product: Bank account or service

my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/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 without my written instructions.
Product: Credit card or prepaid card

PayPal credit said my automatic payment of {$38.00} was returned by my bank. However, there was plenty of money in my account before, during, and after the time of the transaction. There was no attempt to collect the money from my checking account. My bank did not return any transactions. PayPal charged a late fee. Several attempts were made to contact PayPal and my calls were repeatedly disconnected. Although I was refunded the late fee they still have not responded to my request for a formal investigation. I want to know what happened. This is an error on their part. I have never had a late payment. They keep disconnecting my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted to Experian about removing XXXX card XXXX from my credit, they said they would take care of it, item has failed to be deleted. This account is not accurate and is affecting my ability to get a job.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account at Citi Bank, same day bank was unable to provide a temporarily ATM card, so had to come back couple hours later. 

Wednesday XX/XX/XXXX I received a official ATM card, that I couldn't activated due to a issues with temp card, as a result couldn't withdraw or pay with any card. 

XXXX past XXXX after several calls to customer service, finally received a new ATM card and finally able to activated, and have access to my founds, this may happen already beginning to XXXX. 

XX/XX/XXXX I made a check deposit of XXXX trough Citi app, no issues displayed. 

XX/XX/XXXX I notice can't access to my app, but also can't use my card again, contact customer service and stopped at a branch, and found out that Citi bank has froze and further to close my account due to a fraud activity!!!!! 

During the poor time I have used the account had two wired deposits from XXXX and a check deposit from a 401k ADP account, that is all. 

Bottom line Citi Bank have inform me that the process and close time might take from 60 days up to 90 days withholding my founds, for a total of around {$1200.00} and have no access to until further notice. 

I did stopped on two branch 's made several call to customer service, and they state all can't do anything about it, until receive a letter and wait!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year on XX/XX/XXXX of 2020 I went to XXXX XXXX XXXX XXXX to purchase a new vehicle they unauthorizingly ran my credit report through four different bureaus to find me rates on my new vehicle purchase I did not authorize them in any way shape or form by signature electronic signature verbal or otherwise to run my credit through more than ally financial They persisted to run it through four different bureaus without my consent and that's against the Fair credit reporting act and against state and federal law. 
1. XXXX XXXX XXXX 2. XXXX  XXXX 3. XXXX XXXX XXXX 4. Duplicate for XXXX XXXX XXXX The XXXX XXXX  dated XXXX is valid. 
I have disputed this with the company itself with no response from them I took it upon myself to call each of the credit bureau is finally and have this process and the proper way to where I'm filing police reports and sending each credit bureau authorized documentation showing that I did not authorize these illegal credit pulls.
Product: Debt collection

I Were contact by this collection agency XXXX XXXX XXXX XXXX XXXX about a debt that Were place in there office from the original creditor Captail one credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.
Product: Debt collection

I reviewed my latest credit report and noticed unauthorized accounts listed. Please take action to block and eliminate these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the hard inquiry listed on my credit report. I did not authorize this company to run my credit. Sallie Mae Bank on XX/XX/2023.
Product: Checking or savings account

XX/XX/XXXX I opened a checking account with Citibank using a Member XXXX XXXX Checking Offer ( see attached confirmation email with terms and conditions ). 

XXXX & XX/XX/XXXX I fulfilled the requirements of the offer for XXXX XXXX XXXX See attached statements. 

XX/XX/XXXX I called Citi to confirm that I've met the terms of the offer and haven't received the miles. I was told that the miles would be deposited in my account by XX/XX/XXXX. See attached call log from XXXX. 

XX/XX/XXXX I called Citi again and was told an investigation would be opened and given reference number XXXX. 

XX/XX/XXXX I received a letter stating that Promotion Code XXXX ( a code that I have never seen before ) was not offered in conjunction with my account, and a request to " provide a copy of the Promotion Disclosure ''. See attached letter. 

XX/XX/XXXX I tried repeatedly via Citi Live Chat, XXXX, and several phone numbers to provide such Promotion Disclosure. No one was able to help and I was constantly transferred to different departments.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. 

Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

The following accounts must be deleted from my report immediately. Equifax has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX This is NOT a request to conduct a reinvestigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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: Vehicle loan or lease

There was a hard inquiry run by BMW Financial services XXXX on my credit without my permission
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I filed a dispute with Experian due to me seeing inconsistencies being reported on my credit report. After filing a dispute with Experian to open an investigation on the account I waited. Ive tried getting this account rectified but for some odd reason this account consistently show incorrect information on my credit report. The account came back updated once again yet I still see errors being reported. In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  - Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. And according to 15 USC 1681 ( e ) ( b ) they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Still being charged higher interest charge even though the interest rate is the same and the balance is lower. For example I was charged {$140.00} in interest last month and {$160.00} in interest this month. This happens every month making it impossible to ever pay this off! This company is a scam and Im done with being ripped off!
Product: Credit card

Back in XXXX XXXX I was able to get a no-rewards credit card for a very low interest rate ( Prime + 2.99 % ). Today, I can find no similiar card that I can apply for. The lowest rate I see now is Prime + 8.00 %. Yet, in an artcle on XXXX/XXXX/XXXX entitled " CFPB Warns of Flaws in Credit Card Market '' CFPB Director XXXX XXXX is reported by the XXXX to have said in prepared remarks before a XXXX conference : " At the same time, we found that credit is now cheaper and more available and the credit card business has remained an attractive, profitable business for banks, with default rates that are now at historic lows, '' XXXX said. " In short, more effective regulation has created a safer, more affordable credit card market with more opportunities available to consumers. Responsible lenders are now able to do business on fair and transparent terms. That is a remarkable achievement. '' XXXX said this concerning the XXXX CARD act and the effects on the card market derived from it. Well, if he is right that the CFPB " found that credit is now cheaper and more available '' then why ca n't I find a card with similiar pricing as the one I ( luckily ) found before the CARD act had been implimented? 

I would like Director XXXX XXXX or the CFBP in general to issue an apology for saying that. It is blatantly untrue, and would like to see a description of the " findings '' that support lower credit card prices. ( Please feel free to forward these " findings '' to my email ). It is both hypocritical and unethical for the CFPB to claim to find instances of deceipt among financial companies yet make such fallacious and demonstratably false statements as the one given in the XXXX XXXX. Card prices have INCREASED since the implimentation of the CARD act, not decreased, and any insinuation to the contrary is deceptive and unfair.
Product: Debt collection

I am interested in disputing all inaccuracies on my credit report with Transunion.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports