23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # 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 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

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed.

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.

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! 


Delete the late payments from my consumer reports
Product: Bank account or service

My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me.
Product: Payday loan, title loan, personal loan, or advance loan

I am being charged 777.84 % interest on a {$400.00} loan, which is coming out to over {$3000.00}. They have now threatened to garnish my wages.
Product: Student loan

I am still in my program. I called MOHELA and spoke with a representative. I asked if I can pay off my interest as I begin to accrue it, now that it has begun again. They said yes. Since I am not yet having to pay my loans back, the payment I make will go towards my interest. 

I make the payment in XXXX for the interest amount. I go to make XXXX payment and realize XXXX payment when towards the principle not the interest. 

I call MOHELA for day and days and nothing but a 3 hour wait. I am working during the week I can not be on the phone for 3 hours. 

I understand that I can call and speak with someone and pay over the phone and pay my interst that is accruing DAILY. 

But I can not get ahold of anyone. 

Meanwhile my interest is ballooning. 

This is PREDATORY. If there was an easy way for me to pay my interest this would not be a problem. 

WHY IS THERE NOT A WAY TO PAY MY INTEREST ONLINE? 
HOW CAN THIS BE POSSIBLE THAT I HAVE NO CONTROL OVER MY LOAN? 

I wrote a memo with special instructions for a payment and mailed in through the postal service with special instructions to put the check written to MOHELA towards my interest then any left over towards the principle. 

I will have to incur the expense of {$5.00} ea month so that I can guarantee my interest be paid each month. 

I also emailed MOHELA and have not erceived a response. 

My interest accrues daily. I have a plan to keep in manageable by paying it off monthly. 

IF I HAVE NO WAY TO PAY IT OFF MONTHLY. I will no longer be able to manage it and get into debt that I can not pay off and I will be crippled. 

THIS IS PREDATION. and if I am experiencing it so are SO MANY THOUSANDS OF OTHERS.
Product: Credit card or prepaid card

Best Buy Credit Services has refused to issue a {$250.00} refund to me, despite getting a refund authorization from XXXX  XXXX airlines for this. On XXXX XXXX, XXXX, I bought 2 airline tickets on XXXX ( XXXX XXXX ) from XXXX using my Best Buy XXXX  card from Citi. Each ticket cost {$250.00}. XXXX canceled our flights, but never informed me - by the time I knew of it, 90 days had passed and Best Buy Credit Services told me I had missed my window to get a refund. XXXX also refused to refund, until after I filed a complaint with the US Dept of Transport. Finally on XX/XX/XXXX XXXX  issued refund authorizations. XXXX sent Citi ( Best Buy Credit Services ) 2 refund authorizations : XXXX XXXX for my daughter and XXXX did refund that to me. However, XXXX never refunded the second ticket, XXXX XXXX for my ticket. I was never informed of the refund and it was very difficult to get answers by calling the XXXX airline. I finally learned in early XXXX that XXXX  had also authorized the fund for MY ticket, too. I contact Best Buy Credit Services by phone in XX/XX/XXXX and began receiving letters saying they were working on it. When I phoned them to follow upXXXX XXXX told me that I never supplied the original purchase data of XXXX XXXX, XXXX which was nonsense. Each phone call to XXXX  consumed close to an hour, as I was shunted around with long hold times. Then on XX/XX/XXXX XXXX sent me a generic form letter stating 'they were unable to recover the funds ' because I had " not contact them in a timely manner '' and thereafter, when I tried to talk to XXXX I was rebuffed - they told me the matter was permanently closed. I tried emailing executives at the company and never heard back. I just today learned of this CFPB agency, so I am trying to get back my ticket, for {$250.00} which XXXX issued Best Buy Credit Services a return authorization. I should mention that it is very confusing whether Citibank or Best Buy Credit Services is responsible for the card. XXXX says they are.
Product: Vehicle loan or lease

There was XXXX loan modifications on this loan and so the new maturity date became XX/XX/. However I actually made the skipped payments by paying over every month and then I made double payments XXXX  times. There was an NSF once but quickly fixed because of a bank account change. They are now claiming that even after my final payment I would still owe an additional XXXX dollars. When I actually believe the final payment should have already occurred. I paid the XXXX payment and I have a XXXX payment scheduled even though I don't believe I owe it. The agent told me that after the final payment if the additional XXXX is not paid I will be subject to charge off. I need this corrected and the lien released asap. Thank you.
Product: Credit reporting or other personal consumer reports

TRANSUNION IS REPORTING MY ACCOUNT AS LATE 30 DAYS IN XX/XX/2022. THIS IS 100 % A BILLING ERROR THAT HAS YET TO BE CORRECTED. I WOULD LIKE THIS PAYMENT TO BE CORRECTED AND REVERSED ASAP. XXXX AND XXXX BOTH REPORT THIS PAYMENT AS ON TIME. I HAVE ALSO ATTACHED PROOF THAT THESE PAYMENTS WERE MADE ON TIME AND NOT LATE. I AM AWARE THAT THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AS WELL AS A VIOLATION OF 15 USC 1666B.
Product: Credit card or prepaid card

I tried to close my account with Comenity ( issuer of Ann Taylor store credit card ) in XXXX of 2020. I contacted their customer service line to get my balance, which I was told was {$130.00}. I paid this amount at that time, however there was some sort of lag in billing ( item delivered late, and Ann Taylor did not charge the amount until item shipped ). This resulted in a new charge to my account that I was unaware of as I thought I had paid in full in XXXX. 
In XXXX, I became aware that I had been charged for the item that shipped late to my card, which was supposed to have been closed at that time. Note : Comenity still allowed the charge, and then charged interest on it on top. I was unaware of the charge or the fee as I believed the account to have been closed. When I realized they had allowed the late charge,, I again contacted their customer service line, got my " payoff '' balance, and paid that amount, unaware that Comenity had tacked on a finance and service charge totaling {$36.00} XXXX or so ). 
In XXXX, I again became aware of a remaining balance ( which was only from " late '' fees and interest, which I AGAIN paid. Comenity again stated it was late, and charged an additional late fee and interest charge. 
At this point, I am paying interest and late fees on nothing but interest and late fees. 
This company is predatory, they have provided no services, and they refuse to waive any of the fees that they keep tacking onto my account. 
I firmly believe they actively are practicing what amounts to usury - it is unethical and immoral, and they should be FINED. 
The fact that Comenity Bank chooses to continuously nickel and dime me on nothing is appalling - not the amount really, as it is small - but their business practice of being incredibly difficult and unreasonable is shocking in a day when customer service should be a part of business ethics - which it clearly is not for this company. I will NEVER use any store or credit card that is issued through Comenity Bank again. EVER. And no one else should, either. I can only imagine how they are preying upon less fortunate people who can not afford their fees ; they are charging fees on fees. OUTRAGEOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my credit report, I have discovered XXXX XXXX obtained a copy of my report without my authorization or consent. Further, they are reporting that I am " over limit " on my account, which is innacurate. They have been reporting since XX/XX/2022. This company is a scam and have had their business license revoked in Texas.
Product: Student loan

I have been attempting to get my payments to a manageable amount for loan sequence three. I have been reaching out to servicer AES who said they have contacted XXXX but have not heard anything back. This has been going on since XX/XX/2017. XXXX has acknowledged they have received the request in a previous complaint but have yet to respond. In the meantime my credit is being hurt due to them not responding. I am attempting to pay the debt I just can not afford the current payments.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XX/XX/2022 ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX ACCOUNT # XXXX
Product: Student loan

I signed up for Auto pay with ED Financial Services in XX/XX/XXXX. ( XX/XX/XXXX ) my payment was due on the XXXX and the date that was on the sign up page for that auto pay was XX/XX/XXXX due date. I was under the impression that auto pay was automatic, this company failed to inform me that it needed time to verify with my bank ( The XXXX I talked to XX/XX/XXXX told me that it takes time to kick in ) .The payment didn't get taken out of my account on XX/XX/XXXX and I realized it on XX/XX/XXXX. I logged in to find that not only was i NOT charged, but I was delinquent in my loan. I signed up for auto pay again after making my payment on XX/XX/XXXX and I asked about it in my call on XX/XX/XXXX and it STILL wasn't set up. NOWHERE on the sign up did it say that it was going to take a few months to sign me up for auto pay and that I needed to make any payments manually until auto pay " kicked in. '' So not only was I delinquent, but there was no interest rate reduction. How is it that I did everything right, but the company didn't let me in on auto pay not being automatic? This is a threat to my Credit report and my bank account. The XXXX I talked to wanted to Sign me up for auto pay again ... a THIRD time because she said it doesn't work to do it on the website ( the option to do so is still on their website ) there is nothing on the website that tells me I am enrolled or not. I asked to speak to a supervisor, but XXXX wasn't provided. This feels like a SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA motor finance stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX  handled the case. XXXX  sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to KIA not sending paperwork correctly. Can have XXXX  provide information on that statement. 
XXXX  said the {$500.00} was not due KIA, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after KIA bulk reporting several months of late at once and after XXXX  informed me that the {$500.00} was not due to KIA. KIA says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX  said not too pay. KIA emailed a letter with different numbers, we paid the {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX BANK XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is illegally opening consumer loan to take money from my savings account with false consumer loans. I like to add this complaint to XXXX report # XXXX and XXXX I can't access the upload documentation XXXX has error. show correct balance due on date of contract and the real begin date to make my payment so it does prove late fees. XXXX is only in the state of XXXX I feel like there computers should be ceased
Product: Debt collection

Calls constantly all day long, can not give me a valid amount.