23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The Citibank credit card company sent to my citi app with the promotion offer of XXXX bonus mile after spend of {$4000.00} in 4 months. I was apply and got approved. I called customer service after received the credit card to confirm the offer and the customer service indicated that I will receive the promotion after spend {$4000.00}. On XX/XX/XXXX, I called the customer service to ask for my bonus miles because I spend over {$4000.00}. The gentlemen customer service said the XXXX bonus miles will show in the XXXX statement. The XXXX credit card statement came without the bonus miles so I called the customers service on XX/XX/XXXX and spoke to another gentlemen and this time he said because I have the citi business card back in XXXX and they can not give me another promotion. I explain that I received the promotion offer and I would like to speak to the supervisor. I did explain ( again ) to supervisor the issue and demand for XXXX miles bonus in the agreement. She said that she can only offer me XXXX bonus mile and {$100.00} in the statement. I didn't agree with the offer and would like to speak to the consumer care manager in the USA, she did transfer me to another supervisor name XXXX who locate in Florida. 
This lady name XXXX is so unprofessional and rude, she told me that I should read the footprint ( very small ) in the application before apply for the credit card. She also said I should contact the AAdvantage program to complain about this issue. On XX/XX/XXXX, I called AAdvantage, the customer service said they have nothing to do with this issue and I should call the Citi bank credit card. I call Citi bank credit card back and this time I accept the offer of XXXX miles and {$100.00} to approved of the wrong doing from this company. Another reason I accept this offer because anytime I called someone will tell me different story. 
I disagree with the Citi bank credit card settlement and believed that I am a victim of scam from this company. I strongly demand for the fully of XXXX bonus miles in the agreement that the Citi credit card promised to offer in the application.
Product: Debt collection

I rented an apartment located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX AKA XXXX. I moved out when my lease was up and checked with the front office in charge of managing the building to see if any payment was owed. I was told I did not owe anything. Less than 1 month later, I receive a letter from a collection company, stating I have a debt owed to XXXX XXXX XXXX. Despite my due diligence, I never received any notice of debt or an invoice before account was sent to collections. No prior attempt was made to make me aware of debt in question, let alone collect said debt. Debt was also posted to my credit report before any contact was attempted with me.
Product: Consumer Loan

My high interest auto loan has not decreased in principal according to amortization schedule. Lender has continuously placed 93 % of payments made between XX/XX/XXXX to present to interest. Auto was repossessed in XX/XX/XXXX, after I was behind 3 months. I recovered the car, and applied for a TRIPP ( temporary reduction in principal payment ). I was told I qualified, and awaited for a call from the lender. After the lender did not contact me, I reached out and was told the TRIPP was never processed, but I was no longer eligible for it. I have repeatedly tried working with the lender to lower the payment, but have been told the Lender does not refinance its loans, and there are no other options. In addition, I was not offered an option to buy a two-day sales cancellation option by the dealership when the car was purchased, and instead was told California does not offer a cooling period, and asked to sign on the contract that they 'd explained it to me. This auto loan is impacting me financially to where I can not meet other obligations, and my only options are to allow the lender to repossess the car, or declare bankruptcy.
Product: Credit card or prepaid card

I am writing to express my profound concern and dissatisfaction regarding the unauthorized credit pulls conducted by your credit card and loan bureau, which have resulted in the misuse of my personal credit information. As a responsible consumer, I have always prioritized the careful management of my finances, ensuring the security of my credit profile. However, recent events have severely undermined my confidence in your organization 's handling of my sensitive data. 

I have discovered multiple instances where my credit information was accessed without my consent or knowledge. These unauthorized credit pulls raise serious questions about the security measures in place at your bureau. The misuse of my credit information has had negative consequences, including a sudden influx of inquiries and credit applications that I did not initiate or authorize. This has adversely affected my credit score and potential financial opportunities.

Moreover, rectifying the damage caused by these unauthorized actions has been time-consuming and inconvenient. I have had to invest significant effort in disputing the unauthorized inquiries with various financial institutions and providing evidence of their unauthorized nature. This process has caused considerable stress and XXXX. 

I trust that you recognize the seriousness of this situation and will take swift and decisive action. As a responsible consumer, I have fulfilled my obligations, and I expect the same level of responsibility and accountability from your organization. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.
Product: Payday loan, title loan, or personal loan

When i first got the loan, I signed up for autopay to receive a lower interest rate. My automatic payments come out on the XXXX of each month. This month ( XXXX ), the XXXX falls on a Thursday but I do not get paid until Friday the XXXX and I won't have enough funds to cover the payment coming out on the XXXX. I contacted XXXX via email on XX/XX/18 to ask them if they can move the autopay to the XXXX just for this month. They said they could not saying that once the loan is funded they are not able to make any changes. I replied on XX/XX/18 asking if I can temporarily cancel my autopay just for the month of XXXX without having my interest rate go up. They responded saying they are not able to make an adjustment to the autopay without affecting the interest rate and told me to call them for further assistance. I called XXXX on XX/XX/18 to explain my situation and they went on to confirm that they can't do anything about the autopay without the interest rate permanently going up. 

I went to my bank that has the checking account the autopay comes out of and the cost to block the autopay is just about the same as receiving an overdraft fee. {$30.00} vs. {$35.00} but no guarantee it would work since the autopay is not a physical check. 

I find it hard to believe that XXXX can't make a temporary change to a loan to help a customer avoid an overdraft fee. It's 1 day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally opened an account with XXXX  that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Product: Debt collection

Received a bill from  XXXX    XXXX   of {$900.00} in  XXXX . Called and sipited online ( see email attachments ) The next thing I know I received a letter from  Carter business service a debt collector with a different amount of {$1900.00} ( a mount I was never aware  of ) d ated  XXXX / XXXX / 2017 . Sent a debt validation on  XXXX 17 got a replied  XXXX  and my credit report was hit with the collection within the 30 days thus violating my Fair Debt Collec tion Practice Act.    It has been reported to the bureau within the 30 days.   See attached I am filing a complaint re : wrong amount and violation of my rights.
Product: Credit reporting or other personal consumer reports

This company stopped reporting XX/XX/year> yet this company shows up on all 3 credit reports.

They are 1 of 3 debt companies reporting on my credit reports for payments. This company says this account no longer belongs to them but its being reported unfairly. All 3 collection companies will not give me accurate information or who owns this account. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound dissatisfaction with the ongoing presence of fraudulent accounts on my credit report. After reporting the identity theft, I immediately contacted the companies associated with these fraudulent accounts. They confirmed the legitimacy of my report and assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report, despite their inability to provide records. 
It is noteworthy that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I am puzzled as to why your bureau continues to verify these accounts when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Credit Card closed one of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over 14 years of credit history, NEVER late on any payments, no NSFs.Maintained perfect XXXX cs for 14 year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my XXXX XXXX dropped by XXXX points due to that. XXXX points because XXXX bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX XXXX XXXX as this is unfair. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX Date Generated : XX/XX/XXXX I am a victim of the XXXX XXXX  breach. This event has placed me and my family into a debilitating financial hardship. I am not a person who uses my credit much to pay for things, I work hard and pay cash and that is something that I believe in. 
However, I recently went to a XXXX dealership and they shotgunned my credit to several banks and ended up asking me for {$15000.00} down. This amount upfront is crazy to me as down payment so after further investigation, I found accounts that were not opened by me. Here are the accounts that followed : XXXX XXXX XXXX   Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$490.00} Collection Opened : XX/XX/XXXX Collection Opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$280.00} Inquiries : XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These issues are hindering my financial future. Please investigate and assist me in removing this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is shown as a charge off. TD Finance has shown no evidence of this being the case as the vehicle was current at the time of sale. There has been attempts made to contact TD finance about verification of this and they have given NO response. Certified letter ( XXXX ) was sent and received XX/XX/2023 and XX/XX/2023. Certified letter ( XXXX ) sent and received XX/XX/2023 and XX/XX/2023. Each of these have gone with NO Response.
Product: Debt collection

I have repeatedly told this company to stop calling because I am in the hospital. Not only are they calling me multiple times a day, they have called all my relatives and disclosed they were going to sue me and questioned them extensively about my hospital status, which is none of their business. The main person that keeps calling is XXXX.
Product: Debt collection

Good afternoon my name is XXXX XXXX REMOVE THESE COLLECTIONS AND ACCOUNTS IMMEDIATELY YOU ARE IN VIOLATIONS OF 15 U.S CODE 1681a 3 RESTRICTION OF SHARING MEDICAL INFORMATION, ( e ) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS. WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER, ( YOU NEVER INTERVIEWED ANYONE REMOVE THESE COLLECTIONS IMMEDIATELY ) REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH INFORMATION SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMERS CREDIT RECORD OBTAINED DIRECTLY FROM CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. YOU ARE IN VIOLATION OF THE LAW IT COMPLETELY STATES YOU ARE NOT SUPPOSE TO INCLUDE ANYTHING FACTUAL IN A CONSUMER REPORT WHICH YOU DID, AND YOU SHOULD INTERVIEW MY FRIENDS NEIGHBORS AND ASSOCIATES YOU NEVER INTERVIEWED ANYONE DURING THIS ENTIRE DISPUTING PROCESS. THE CONSUMER REPORTING AGENCY ARE AN ELABORATE MECHANISM AND YOU ASSUMED THIS VITAL ROLE OF CREDIT INFORMATION
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, XXXX OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, XXXX OF LAST ACTIVITY, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Account Name : CXXXX XXXXXXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, XXXX REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX Nhas failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have provided the necessary documents under FCRA 1681c-2, including an FTC Identity Theft Report. The credit bureaus failed to block fraudulent accounts within 4 business days, violating federal law. This has caused me financial harm, and I am requesting immediate deletion of these accounts and compensation for damages under FCRA 1681n. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

WELLS FARGO AUTO is in violation of multiple laws set forth by Congress in regards to the following account ending in # XXXX. I previously requested a 1099-C which was not provided although the debt has been charged-off by the original credit WELLS FARGO AUTO. 

WELLS FARGO AUTO can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income canot be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from WELLS FARGO AUTO for the cancelled debt of { { {$13000.00} } } in order to file as ordinary income. Where is my 1099-C? WELLS FARGO AUTO is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is illegal! WELLS FARGO AUTO has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( WELLS FARGO AUTO ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( WELLS FARGO AUTO ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

In WELLS FARGO AUTO terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, AND XXXX is not an affiliate of WELLS FARGO AUTO nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

on XX/XX/2019 I was charged XXXX for a service I no longer have with XXXX. I tried calling direct express to dispute the charge but it would not let me. I was unable to speak to anyone. I called over 20 times and it kept giving me the same response it could not help me. I deactivated the account with company over a month ago and they are still taking my money. and I want it stopped and I want my money back in my account.
Product: Credit card

I made a purchase using a GS Apple Card from the Apple store. They never sent a physical bill to my address and the email was overlooked, so the payment became delinquent. I was never notified via USPS nor through a phone call about the payment, only through email which I check infrequently. I've prided my self on a credit score above XXXX, and now have XXXX below XXXX because I was delinquent. I talked with the credit card company, paid the account in full, and closed it. Shouldn't they be required to reach out via an official channel like USPS if a payment is delinquent? I never received anything in the mail, including a physical credit card.Thank you