23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit card

I went to buy a car at XXXX XXXX in XXXX on XX/XX/XXXX. XXXX XXXX said they had an XXXX but they did not have a VIN ( vehicle identification number ). They told me to call in the morning, on XX/XX/XXXX the next morning they still did not have a VIN or a vehicle. I immediately canceled the contract with XXXX XXXX on XX/XX/XXXX. XXXX XXXX refunded the {$1000.00} with Citibank on XX/XX/XXXX ( see attached documentation ). I then went ahead and purchase a XXXX XXXX from XXXX XXXX on XXXX XXXX. 

Citibank continued to charge me for my refunded {$1000.00} from the XXXX XXXX XXXX XXXX  XXXX. Citibank put this in dispute at least four times ( during which I was called dozens of times ). In that time frame I spoke with various managers ( XXXX, XXXX and numerous other supervisors ). All of the supervisors said it would get resolved but it never did. 

During this time frame I would receive calls from collections agents telling me I owed {$1000.00} plus finance charges and late fees. I paid all of my other debts that were owed to Citibank. The only charge left is the {$1000.00} plus fees it accrued. 

I have also contacted XXXX through the phone and on the website with a lengthy complaint against Citibank. I am still waiting for their response to this day. I also contacted the XXXX  State Attorney General and was told Citibank was unresponsive and they suggested that I contact the CFPB ( XXXX XXXX XXXX XXXX ). This erroneous charge has been a tremendous strain on my marriage, my business and has triggered my XXXX. My mortgage broker after reviewing my credit, suggested that I should not apply for a mortgage because of the damage Citibank has done. 

I have requested numerous times for Citibank to send me in writing a copy of the supposed contract that this is a recurring charge or any documentation that states why I am being charged {$1000.00} ( receipt attached ). They have refused to send me anything in writing and have disregarded my requests. I was also told by Citibank that XXXX XXXX refuses to credit back the funds. As you well know when the credit card machine is batched out at the end of the evening all refunds are credited back to the cards. The money was sent back to Citibank within three days. 

As of this date XX/XX/XXXX I still have no contract from XXXX XXXX or Citibank that states what the charge is for, what billing cycle it is on or when this contract supposedly ends. As previously stated there is no contract from XXXX XXXX because I did not purchase a car there. There is no maintenance agreement for the car that doesnt exist. XXXX XXXX themselves stated this. Prior to this debacle my credit score was XXXX and last I checked it went down XXXX points to XXXX. 

Sincerely, 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 XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX  XXXX, Account # XXXX Account XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name XXXX XXXX XXXX XXXX, Account # XXXX Account XXXX XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX. Account # XXXX has violated my rights.

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.

604 A Sect 1- States a consumer reporting agency can not furnish an account without my written instructions.

1681 c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of info or any other adverse item of information other than records of convictions of crimes which dates the report by more than XXXX.
Product: Debt collection

The original debtor company never sent me a bill of notice of debt. They can not be reached via phone, no other contact info is provided. The debt is not even owed because they should've billed my insurance company.
Product: Credit card or prepaid card

I was approved for a CareCredit card with Synchrony Bank in XX/XX/XXXX in order to use solely for veterinary services. I was approved for {$5000.00} for the card with a co-applicant, based on credit " worthiness ''. I was then riddled with fraud on my main bank account and had to open a new account with my bank. This account was still linked to my CareCredit/Synchrony Bank account, and I did not receive any notifications regarding late payments or upcoming payments. I assumed that it would be taken out of my account directly as it had been in the past. 

However, I was not notified and when I realized that I had to make my payment, I logged into my account and to my surprise the account had been closed without any warning whatsoever. They sent a letter on XX/XX/XXXX which is 8 days past the due date for minimum payment ( first of every month ). The letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the " Number of dishonored payments on this account ''. I had one dishonored payment, less than 8 days past the due date without receiving any notifications, calls, emails to remind me or make me aware of the issue. If they had done that, I would have realized that I needed to reconnect my new bank account and all would have been fine. 

Now my credit score has gone down 100 points and will affect every aspect of my financial wellness. What happened to me is deplorable and inexcusable due to the treatment by customer service agents when I attempted to fix the issue immediately after I saw the closed account and the fact they closed my account while only notifying once of a late payment.
Product: Debt collection

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( PORTFOLIO RECOVERY Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.
Product: Debt collection

This account has been on my credit since 2020. They are reporting as normal debt agencies report, but are also reporting that my payment is late every month. I have never entered a payment plan with this company and would not have the possibility to have a late payment. I need this to be removed from my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ve payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}, XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX Balance : {$160000.00}.
Product: Debt collection

I first became aware of this debt when I received a collection report on XXXX XXXX that was opened on XX/XX/year>. I refuse to pay this debt of {$350.00} and want it immediately off my credit report. Due to unfair circumstances I tried to pay the original creditor at XXXX XXXX who ripped me off and taught me nothing about the entertainment industry as I hoped. 
I am not sure if this is XXXX XXXX but I would like to know for sure. If it is, I believe its unfair to charge me for classes I did not take with XXXX XXXX. I was on a payment plan and paid what I did at that time
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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  : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

US Auto sales outsourced my loan, and canceled my warranty without giving me any explanation or warning. My car needs repairs and I shouldve had the warranty until XXXX XXXX My warranty is included in the price of my loan. So if they can just cancel it, I feel I should be reimbursed for the cost of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my credit report and i found that GAP clothing store has closed my credit account with them with an amount of {$97.00}, while i haven't even received their credit card nor gotten any notifications about my credit. I tried to contact them but i didn't get a reply. My credit score was pushed back because of this and i hope i can get it fixed. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I was trying to make multiple purchases at local grocery store chains, including XXXX XXXX and XXXX. My Citibank Premier card kept getting declined. I called Citibank  at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. 

Each time, I told Citi representatives that the charges I was making were authorized and was willing to provide them any information needed to verify my identity to ensure the transactions were not fraudulent. While 3 of my transactions went through, there were over 10 attempts where my card was declined due to fraud. I spent hours on the phone with customer service, who eventually locked the card completely and told me I had to wait for a letter in the mail to turn my card back on. 

It has been a week and I have not received the letter in the mail. My card has now been disabled for a week ( despite the fact that it has constantly been in my possession and never used for fraud ).
Product: Checking or savings account

In XXXX, I was a victim of bank identity fraud. The Bank of America, which I have never utilized, allowed someone, online ( and clearly without identification ) to open an account in my name. I was told this is a new COVID policy. Considering everything has opened since the pandemic, I feel this is not a valid justification but simply a way for them be remain laxed in their security procedures. This person was able to obtain access to my social security number and opened an account with errors in my mailing address and with my name spelled incorrectly. When I learned of the fraud, I had to go through the trouble of freezing all of my accounts. I even obtained the services of an identity protection agency. It has required a lot of time on my part to try rectify this issue. I immediately contacted the Bank of America who said that the account would be closed. The following month, I received another bank statement. I called the Bank again and was informed the account the closed but a last statement may have been mailed. This past Friday - XX/XX/23, I received another statement. I just called and now I am being told that the investigation is still pending. They sent me a packet of forms they wanted me to complete with all of my personal information and which also required me to request personal documents from the social security XXXX. I told them that this should not be my responsibility since it was their lack of security which allowed the creation of this problem. Yet they now want me to spend additional time to request all of these documents with my personal information and send it through the mail. First, this is none of their business. They should not have access to all of my personal information. I am not even a client of this bank. Second, I am not comfortable sending this information through the mail when my social security number has already been compromised. In fact, this Bank has had issues with previous data breeches. Hence, why would I want to provide them with more information. They want more information to close the account than they required to open the account. When I called on XX/XX/23, I was on the phone for over an hour and spoke to multiple supervisors who will not tell me when the account will be closed. They are actually telling me if any transactions occur with this account, I could be held responsible. Today ( XX/XX/23 ) I received a letter sating they are refusing to close the account because I refuse to provide them with any more personal information. How can it take more time to close an account than it does to open one? Something is inherently wrong. I could really use some assistance in this matter and I believe their policies need to be changed.
Product: Checking or savings account

I filed disputes around XX/XX/XXXX and the disputes ranged from the XXXX of XXXX to the XXXX. It can be proven, if the correct steps were taken in an investigation, that I did not make these charges. After over 30 days of being locked out of my account and unable to access my funds, my account was closed completely. I asked for an explanation and was told there was no information that they could tell me. There is no reason that my disputes shouldnt have been approved and credited back to me.
Product: Debt collection

I am disputing this collection account for several reasons. The original creditor was a school named XXXX XXXX XXXX, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote XXXX XXXX letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
Product: Mortgage

I didn't know this could be a violation until now but I was really affected. I went through USAA for a VA Loan, in which, they claim they specialize in. I was approved for a mortgage, found a home, was told I had to pay the {$600.00} for appraisal and {$110.00} XXXX inspection, which I did. The sale never went through because I didn't qualify for a VA Loan yet as I was 6 months short of serving in the military in order to qualifying. USAA refused to give my {$600.00} or reimburse me the {$110.00} back and I feel for an XXXX  that specializes in VA Loans and products for Veterans the representatives should have know the rules of VA Loans and waited for me to get denied from the state for Certificate of Eligibility before having me spent a lot of money towards the purchase of this house. They also were not helpful with me applying for my paperwork of eligibility from the state either. I am disappointed in the treatment of Veterans/ Soldiers by this bank.
Product: Credit reporting or other personal consumer reports

PNC BANK This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Fl, XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date XX/XX/year> Re Acct [ XXXX ] This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation that is competent evidence bearing my signature, showing that I have [ or ever had ] some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports [ including XXXX, XXXX and XXXX ] from your company or any company that you represent, for a debt that I don't own, is a violation of the Fair debt collection Practices Act FDCPA 807 [ 15 U.S.C. 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports, Fail to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to XXXX in damages for : 1 ] Defamation 2 ] Negligent Enablement of Identity Fraud XXXX ] Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act area. 

For the purposes of 15 U.S.C.1692 et sec , this Notice has the same effects a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card

I used my aspire card for groceries, paying the bill in full after each use. On one occasion, I had used the wrong card, so I pulled the money in cash from my aspire card. The first pull did not work, so I tried again. I spoke with a rep who told me to try another atm. I did, and successfully withdrew one cash advance. I went to use the card, only to find my card declined. I checked the balance and it said I owed XXXX, which is over my limit. I spoke to one rep, who said my acct was closed due to inactivity. That didn't seem right, so I called in, the sup on duty told me I had to pay the XXXX, and my acct closure was permanent. Still no reason as to why my acct was closed. I spoke with the atm company where the cash withdrawals failed, and they said to file a dispute. I called aspire and got the paperwork. Still no reason for closure. Filed the dispute, and went to check on the status today. Both atm withdrawals that were declined were put back into the acct. Called to inquire again as to why my acct was closed. Told I should have been more responsible. Spoke to the sup on duty, who just kept repeating that it is in the cardholder agreement that they don't have to tell me. If those were fraudulent charges, as a consumer, I would have been being punished, and forced to either pay or deal with the dispute process and hope for the best, while still having no clear answer as to why. Now my credit is going to take a hit, and I still have no answer as to why. The reps were for the most part rude, unsympathetic, and as a whole, had no interest in actually helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to furnish XXXX XXXX with my credit report when I apply for credit with them. They have hindered me from applying for this account which XXXX uses Equifax for new applicants. I have tried to resolve this with Equifax and it appears to be a glitch they refuse to fix.
Product: Checking or savings account

XX/XX/XXXX recieved card for bank account I did open when I reached out they said they were going to looking into fraud. Heard nothing back and in XX/XX/XXXX still nothing when I reached out again they were no help. The account was opened in my maiden name that I have not used since XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Balance on credit report not reflecting on none of the credit bureau. My last updated from Navient was XXXX before I started disputing the incorrect amounts. I called Navient for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact Navient. Navient is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated