23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi charges exorbitant fees on my credit cards. 
I have held the Citi Choice card since XX/XX/XXXX and at that time the Federal Reserve had interest rates at 10 % and my Citi interest rate as a fairly new consumer was approximately 14 %. Fast forward 35 years. The Fed funds rate is 7.5 % yet despite tier XXXX credit with NEVER a late payment Citi is charging me 22.97 % interest on same account. 
I was told by the agent today that it is because of the interest rate and inflation. I told her that I can understand IF I were a new consumer with either no credit history, late payments, a XXXX or other debt issue on my credit report. 
In XXXX of XXXX Citi began to raise my interest rate ( Despite my perfect XXXX XXXX of XXXX ) on this account from 8.95 % to 22.97 %. At that time I questioned the change and requested a lower rate. I was denied. I continued to work down the debt and medical bills over the last XXXX years. 
Today I contacted Citi to request a rate reduction. I spoke to individual agents from XXXX and then finally spoke with a manager in XXXX  after many calls and requests. 
XXXX the manager in XXXX  indicated that I have one of the lowest rates ( 22.97 % ) that she has seen in 4 years and that Citi is NOT reducing CC rates at this time. 
I indicated that I have been a customer for 35 years, Have tier XXXX XXXX XXXX XXXX and never any late payments yet she said they could not reduce my rate from 22.97 % to anything lower. The fact that CITI is able to wait until a consumer carries a balance and makes minimum payments prior to " Suddenly Adjusting '' the interest rate UP from 8.95 % to 22.97 % for a 35 year customer with perfect credit and No late payments is BS. 
This is OUTRAGEOUS! 
Legislation needs to be enacted stat!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX. Please delete the following accounts. CREDIT ACCEPTANCE CORPOR XXXX AMOUNT {$510.00}, US DEPT OF EDUCATION ACCT XXXX, XXXX XXXX XXXX ACCT XXXX AMOUNT {$970.00}
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address 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  Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name XXXX XXXX XXXX  account number XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Debt collection

On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- On or about XXXX XXXX I called Experian after receiving my credit report and noticed the extreme amount of inquiries on there. I asked them to remove them because I did n't give these companies authorization to run my credit. I was told they would n't remove them. The inquiries are as followed : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

A debt collector is attempting to collect a debt for an electric bill in for an address in XXXX, Florida which I 've never lived at. This is seriously impacting my credit score and leaving me unable to do anything involving credit without incurring higher fees than it should. I 've asked the collections agency to mark this debt as fraud and have it removed, as the mistake is clearly on their end, but they are requiring a lot of paperwork and information provided for them to investigate over a period of 90 business days. This seems very unreasonable that they ca n't just investigate this on their end and require me to jump through hoops for their mistake
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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 an 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, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was robbed gunpoint and my wallet was stolen from me containing my State ID, social security card and bank/credit cards. A police report was filed and I called Experian to let them know I needed to freeze my account. The gentleman I spoke to informed that he did so and it was all taken care of. Fast forward to now XX/XX/XXXX, Ive noticed my credit report is bombarded with inquiries that I never authorized. Evident that the people who stole my personal information are trying to obtain credit under my name. Ive reached out to the company by phone to no prevail, and even through certified mail with return receipt so I know they got my complaints.As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name. This has hurt my credit score substantially and Experian refuses to resolve this issue
Product: Payday loan, title loan, or personal loan

We had issues making payments on this high interest predatory loan. When we expressed our concern to the store manager XXXX XXXX we were met with condescending remarks and threats. 
Additionally XXXX and store employees at the XXXX location for XXXX XXXX XXXX   XXXX  were very open and quick to disclose ver personal and private debt information to my associates and family. When advised them to stop doing so we were met with additional condescending remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax data breach and I currently have 2 fraudulent credit card ccounts from XXXX bank and XXXX bank showing on my Equifax credit report. I will attach my FTC report, Affidavit of truth notarized, my dispute letters, my identity documentation, and proof that XXXX has deleted these same two accounts last month. XXXX and XXXX has complied with the law and have removed these inaccurate accounts but Equifax is blatantly disregarding the law and refusing to do the same.
Product: Consumer Loan

XX/XX/XXXX a family member of mine bought a vehicle using Synchrony Bank Financial for financing. I was placed as an authorized user on this credit account. XX/XX/XXXX the account was closed and my family member continued payments until XX/XX/XXXX at which time the account went delinquent. This was then placed on MY credit as a past due account. I have made multiple attempts to call Synchrony Bank and no one can pull up anything under my information. The account # shown on all my credit reports is only linked to my family member showing me as an authorized user on the account and Synchrony bank had XXXX different employees tell me on a recorded line yesterday when I spent 4 hours trying to find information on the account that it should not be on my credit since I was not the financee and just an authorized user. This account has been detrimental to my credit rating and no one can seem to tell me why it is on my credit or even find the account with my information on it at all to tell me who to speak to about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made XXXX payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX @ XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.
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. 
Collections 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 has violated my right.

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

I tried more than 4 times to have my data deleted from their system but their online process to request deletion was cyclical and I could not make the request. I tried every option provided including a chat window but could not get to a place where I could request the deletion of my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.
Product: Credit card or prepaid card

I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
Product: Mortgage

On XX/XX/XXXX, I closed on a HELOC with BB & T in the amount of {$340000.00}. My intent was to sell the house against which the HELOC was taken within the year. The loan officer at the local BB & T bank was well aware of our intent to sell the house as quickly as we could as we were moving out of the area by the summer. BB & T advertises " no closing costs '' for their HELOC loans which is what attracted us to their bank, along with the low introductory rate being offered. Closing on the loan went off without any problems and I made the required payments up until we sold the house on XX/XX/XXXX. The payoff on the HELOC seemed higher than I expected and when I checked into it, discovered that we were being charged {$3600.00} for closing costs. When I called BB & T to ask why they had deducted that amount, I was told that because we paid off the loan within 3 years, the closing costs were being charged. I was shocked to learn that since they advertised " no closing costs '' and the loan officer never indicated to me during the loan process that these costs would have to be paid if we paid off the loan within 3 years. I will acknowledge that when I checked the contract, it does state that closing costs would have to be paid if the loan was paid within 3 years, but that doesn't excuse the deceptive advertising being conducted by BB & T. When you approach any one of their branch offices, their advertising does NOT caveat or provide an asterisked notation that closing costs would have to be paid if the loan is paid off in 3 years. When I called the loan officer to address this with her, she claims she did in fact advise me of this. I will swear under oath that she did not as I would have looked for another lender knowing that I would be selling the house within 3 years. BB & T 's advertising is deceptive and I want my {$3600.00} back.
Product: Money transfer, virtual currency, or money service

Money sent via Zelle was sent to wrong mobile number and accepted by the person. 

I was given a phone number, which was incorrectly provided to me, and request for funds transfer was sent using Zelle via my XXXX XXXX XXXX  account. I was asked to verify the number and transaction, which I did, and the funds were transferred - easy right? yes. maybe too easy! 

I realize this is not an issue with the Zelle service per se, however, it would be wise for Zelle to implement a requirement in the feature that a {$1.00} or low value transaction be processed the very first time the service is used between new numbers, emails or contacts. This would allow the person initiating the funds transfer to ensure that the {$1.00} actually got to the person/number/email, that it was intended to go to. Once the low dollar transaction processes is confirmed, then larger amounts could then be transferred with confidence. 

In my scenario, the mobile number given to me by a real estate agent for a contact of hers to do work on our condo was incorrect. I confirmed with her the mobile number and then sent {$700.00} on XX/XX/20 off to the persons mobile number. I confirmed the transaction and money was sent. However, when the intended person never received the funds, only then was when we realized that the real estate agent incorrectly typed the mobile phone number that she told me to transfer the money to. 

I contacted my bank who put me thru to Zelle who returned me to my bank and neither of them can take any action to help me except provide the name and number ( that I already had ) so that I could then reach out to the person myself to attempt to get the money back. Like that's gon na happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX APARTMENTS OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.
Product: Money transfers

On Thursday we sent {$8000.00} by Western Union to XXXX from our local XXXX grocery store. They said it was no problem. Western Union on Friday said it was over their limit and canceled the transaction. The big issue is that XXXX ca n't pay back the {$8000.00} because their payout limit is only {$4500.00}. We went to XXXX locations and called on XXXX others and still can not locate anyone who can pay back our {$8000.00}. This is now Saturday and we have made XXXX calls to Western Union, all we get is constant transfers and every time we need to re-explain what is going on. Every time they look up the same locals we have already visited or called. It seems we are going to have to hire an attorney to get our money back. How can you let companies operate like this. They should not be allowed to accept more than they can pay out. They get cancelations all the time and should not be allowed the accept a money transfer greater than the amount the location can pay back. Another issue is that the stores, western union agents, do n't know how much each country can receive. The max limits should be posted and easily identified and the store agents should also be responsible for knowing these or for looking them up on transactions over {$1000.00}. At this point it appears we will need to go to an attorney to get our money back but the agents should have a policy of not takin g in more than they can get back.
Product: Debt collection

asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...
Product: Debt collection

United acceptance XXXX loan I paid my portion in payments I contacted this back not sure on credit report I believe it was the beginning ofXXXX I informed them that I had been paying XXXX  XXXX XXXX in XXXX SC they said ok then I called XXXX XXXX XXXX  and discussed the call with XXXX the owner he said he didn't sell my loan to keep paying him and I did now lateXXXX I totaled the XXXX XXXX insurance paid off car the co sent the check to XXXX XXXX and the account was paid in full the co. Called about the I informed of the information I was given then I see a negative report now I talked with several representative of this company and explained the situation and they said they would contact XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8300.00} XXXX XXXX XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX XXXX Balance {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX
Product: Debt collection

i was contacted by email to pay a debt i did not owe or recognize! i asked for proof and validity of debt! the debt collection company name used was XXXX i have an email to dated XXXX correspondence was XXXX XXXX at email XXXX The email states a company owner called : LVNVFunding LLC says they will not resume collection activity until i am informed of validity. i do not know or owe any money to LVNV Funding! i have requested validity of bill and never received a response! Now a company called Resurgent Capitol Services is attempting to collect the fake debt for LVNV Funding! i have continuously received phone calls by debt collectors and scammers from fake numbers all over the world! i have asked them to stop calling me and i then receive a call from a different number same scammers on XXXX XXXX i received a letter in the mail demanding payment of {$92.00} from Resurgent Capitol Services saying i have until XX/XX/XXXX to i have called the number to dispute the charge and sent to different operators XXXX XXXX XXXX refrence XXXX