23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.
Product: Prepaid card

I called the company a few days ago about my gift card declining. I was told there was a hold on the card. I saw online the hold was lifted and tried to use the card at two different online retailers and card is still being declined. Customer service is unhelpful. They always say card is active and try another merchant. I get these gift cards frequently from a vendor and there is always a problem using them. It should not be a chore to use a gift card and every time I have called customer service they say the same thing and are just simply not helpful and often times rude. So I currently have {$220.00} on my card and I have no way to use it. This is theft.
Product: Credit reporting or other personal consumer reports

I'd like to complain to Transunion, Equifax, and Experian for having many inaccuracies on my credit report. according to the FCRA the credit agencies must provid accurate information on consumer reports. there are many addresses I'm not associated with I have 1 physical address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX no other address should be presently on my credit reports. I will provide my Government issued ID and social security card along with this complaint for identity verification purposes. I would like for each of you to delete inaccurate addresses, and update my address Immediately
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  Account # XXXX, XXXX XXXX XXXX XXXX  All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing 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 XXXXXXXX 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 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 or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX  and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

Americollect Inc. XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Product: Debt collection

These institutions are providing false, fraudulent and erroneous information to the  XXXX  credit bureaus which has damaged my person. I have lost job opportunities because of this and have been denied credit due to their willful negligence. I have filed a police report, filed an FTC Identity theft affidavit notarized, countless correspondence and my state issued ID like they have instructed me to do with no avail. They are still reporting fraudulent activity on my credit report. I am keeping detailed records of all correspondence that has been sent out via certified mail and will seek legal remedy to be made whole again. Remove the accounts I have detailed in my correspondence to your institutions. Govern yourself accordingly.
Product: Debt collection

Midland Funding LLC Successor in interest to XXXX XXXX XXXX represented by XXXX XXXX  XXXX sued me and I responded to the lawsuit stating I will pay {$50.00} a month until debt is paid in Full. So they asked for payments on a website at XXXX. Which I did every month to total of {$65.00} until one day the web page return with XXXX not found. I no longer could reach XXXX XXXX   XXXX. Now I'm being sued for Judgment and Writ of FlFA from a XXXX XXXX XXXX. XXXX  stating I defaulted. I never heard of them. I don't know what to do. I just keep trying to clear this up so that I will not lose my job.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid off on XX/XX/2021. They submitted a trade line request to have it removed from my credit report on XX/XX/2021. I called Equifax on XX/XX/2021 and was informed they had not yet received it. I called XXXX that stated it was submitted on XX/XX/2021. I am waiting to apply for a mortgage once this is removed.
Product: Checking or savings account

On Thu. XX/XX/XXXX, my XXXX XXXX tied to my Citibank checking account was declined twice at a point of sale. I called the bank to ask why and they said the account was locked due to a KYC issue involving my sister who I live with and who is a passive co-signer on the account in case I get sick. They said they had not heard from her in a while and tried to contact her. They offered to have me answer the KYC questions so I did. These were simple KYC questions to confirm cohabitation and the name of her employer and salary range. I answered these and they announced that they were going to recommend the account be opened and it would be opened in 24-48 hours. I later learned from my sister that she did speak to them earlier that week, XXXX. XXXX, and had answered these questions. 

It's been 8 days so far with this locked account. I have had to migrate all of my transactions to my wife and my other account at XXXX and open an online checking account, as well as change all of my employment disbursements. This is a huge. hassle. I called them every day from Thu. XXXX-Thu. XX/XX/XXXX except for two days, with hold times of 30 minutes, on two KYC department numbers. They still won't unlock the account, citing different reasons such as not being able to due to not being the analyst working the case, longer than expected wait times, and technical difficulties affecting account unlocking. The other thing is, they have told me that I am right to expect the account open, nothing is wrong, and that they have " escalated '' the urgency of unlocking the account three times.
Product: Checking or savings account

On XX/XX/XXXX I received a letter from USAA Bank with a debit card. It stated " Your debit card has arrived '' with a debit card attached. I contacted the bank today XX/XX/XXXX and they stated they observe an account is open however, they are currently unable to access what kind of account was open. The representative instructed me to call back and ask to speak to someone about an account takeover.
Product: Credit reporting or other personal consumer reports

XXXX has my account balance listed twice on my credit report. Which caused my credit scores to drop. I demand that this problem is fixed immediately and remove any harmful inaccuracies that affect my scores from all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but experian and XX/XX/XXXX refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is in violation of multiple FCRA and consumer laws that REQUIRES consumer reporting agencies to delete inaccuracies, and erroneous information as well as conduct credible investigations and provide information on how they verified trade lines on a consumers credit report. THEY HAVE FAILED to do so. Equifax responded to my Consumer Protection Financial Bureau complaint in XX/XX/scrub> 2024, stating they have deleted a XXXX XXXX tradeline. However as to date, the XXXX XXXX tradeline ending in XXXX remains on my credit report. In respect to 15 USC 1681, I am asking that the Consumer Protection Bureau FORCE Equifax to delete the trade line due to my credit report being used improperly as it has been BREACHED in an Equifax data breach and the tradeline is being reported past statute of limitations and without evidence of it being verified. Lastly, after sending identification and documents was requested in XX/XX/scrub>XX/XX/XXXX 2024, Equifax continue to send stall letters and refused to process my disputes. Ive received multiple letters in XXXX, XXXX and XX/XX/scrub>r 2024 and yet the tradelines have yet to be processed and deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1100.00} FAIR COLLECTIONS & OUT : XXXX -- -> : {$3100.00}
Product: Debt collection

This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

XXXX XXXX XXXX said I owe {$15000.00} to an old ( XXXX ) Loan? Does not say what type loan. From original creditor, Citibank? I have never had a load from Citibank nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.
Product: Credit reporting or other personal consumer reports

My score on Equifax was not showing on my credit report, my info need to be update and all incorrect info need to be deleted. 

Here 's my info : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN:XXXX DOB:XX/XX/XXXX
Product: Debt collection

Southwest credit system reported i owe XXXX. Spoke with req. XXXX. 3 weeks ago ask to send me copy of bill showing I owe XXXX dollars. I never owed XXXX dollars to XXXX. Never had a bill over XXXX. Retuned all equipment. Ask bill collector to remove negative info off my credit report. Have not recd copy of bill or hasnt been removed off my report. Showing up as a new collection. Havent had XXXX since XXXX 
Spoke with rep 2nd week in XXXX
Product: Checking or savings account

In XXXX of XXXX I did a change of address in my account and the bank froze my account and card saying I needed to send in a current Id in order to get to my funds. I couldnt get an appointment to get a new id until XX/XX/XXXX. I have bills going past due and my phone has been cut off because of this.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU ACC # XXXX I have report your company to consumerfinance.gov Case number : XXXX WITH CFPB ( NO RESPONSE ) **THIS IS A REINVESTIGATION As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative.

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!
Product: Bank account or service

In or about XXXX 2016, I received a letter from Citibank requiring me to close my account by XXXX XXXX, 2016. I contacted Citibank to find out why but no one was able to provide me with a compelling reason so I had the account closed XX/XX/2016 to avoid monthly service charges for XXXX 2016 and stopped utilizing the account. Then I received a notice in XXXX 2016 from Citibank informing me that I was over drawn on my Checking Plus account for XXXX 2016. Checking Plus acts similar to a overdraft line of credit since this was a business account. I informed the bank that I had closed the account on or about XXXX XXXX, 2016 but they said they paid an ACH payment in XXXX 2016. I expalined my account was closed so how can I have an overdraft for a closed account? My understanding is that once an account is closed it is closed and if a check or ACH hits the account after it has been closed the Bank has to deny the request not apply it to overdraft account associated with the account and then charge me overdraft fee and interest! To resolve the situation I paid for the outstanding amount but I refuse to pay for any interst or overdraft fee since this was Citibank 's error to honor the payment not mine and hence I should not be charged any fees and/or interest. I have received numerous letters and calls demanding payment of the interest and I disputed the charges everytime informing them that this was their ( Citibank ) error not mine and am not responsible for any fee or interest payments. Please understand as of XXXX XXXX, 2016 their demand was for {$58.00} not a significant number but it is the principle that I am fighting for. Why should I be punished for their error? Should n't they be held accountable for not doing their job correctly. Once an account is closed it is closed and the bank does not have any authority to advance payment on my behalf without my knowledge and/or consent. Please note that this was a business account and I had been a customer for over a decade with Citibank.
Product: Credit card or prepaid card

Synchrony Bank arbitrarily lowered my credit limit on my PC Richards card. When I contacted customer service, XXXX, credit manager, told me that Synchrony Bank was lowering my credit due to inactivity. She was also kind enough to inform that Synchrony began lowering and even closing credit accounts beginning in around XX/XX/2020 due the COVID-19 pandemic. According to XXXX, Synchrony began lowering credit on customers they felt posed higher credit risk. 

I have not had any change in my ability to maintain and pay my credit. I have chosen to not purchase anything from PC Richards only utilize credit to my advantage.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I received an email offer from XXXX XXXXXXXX which promised XXXX miles upon approval. Since I fly XXXX I applied. When the application came up on my screen it showed an APR of 17.34 %. Nothing else was disclosed. I filled out the application online and was approved in less than 5 minutes for {$5000.00}. 

I received the card in the mail on XX/XX/XXXX. Upon opening the envelope I began reading the terms and conditions. The first item was " when you spend {$2000.00} within the first 90 days you will receive XXXX on your mileage plan. The next item was the percentage rate of 23.74 %. The last item I found out today was a XXXX XXXX yearly enrollment fee. My credit rating is XXXX according to the enclosed report. 

I did not activate the card, and I cancelled it on XX/XX/2019.