23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX LVNV FUNDING XXXX XXXX  XXXX XXXX, South Carolina XXXX Account # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$600.00}. I am requesting validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. This is competent evidence bearing my signature, showing that I have ( or ever had ) come contractual obligation to pay you. If you can not validate the debt, this is a violation of the FCRA & FDCRA. Therefore, you must request that all credit reporting agencies delete the entry. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX
Product: Checking or savings account

An unknown report inquiry appeared on my credit profile and I had to pay XXXX a month to XXXX XXXX. What a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.
Product: Credit card or prepaid card

Citi /AAdvantage Gold World Elite Credit Cardmember in excellent standing since 2003.

Interest rate on this card had always had been 11.25 %. 

I stopped paper statements more than year ago. On auto payments - therefore, i don't login to Citi website often. 

I've recently become aware of an increase to my interest rate of 1.5 %, from 11.24 to 12.49 %. 

On an {$18000.00} to {$19000.00} balance ( when increase occurred balance was higher than $ 17k currently ), this was a substantial rise in interest allocation To the Bank and not the consumer principal portion of my monthly payments I feel this is an abuse of CFPB Consumer Advert Law, as I was of the understanding, that Citi was to provide/reward their best paying long standing customers, those who always pay on-time, such as myself, by Lowering the Rate - and certainly Not Raising it. 

Fed raising the prime a half percent last year has nothing to do with deceptive practices with promise of lowered rates for customers paying on time consistently over time ... ..which i have done. 


I would now request that Citi Card Re-imburse my account all of the interest and fees over-charged from this higher interest rate discrepancy. 

From what I was made to understood, I should've been entitled to a Lower Rate, because Citi Rewards their Best Customers who've Never missed their monthly payment. 

I've been over-charged in fees and rate, and request Citi to credit all months my account was over-charged for this Higher Rate also factoring in the Lower than  11.24 % rate that I had Expected to receive. 

I would like the over charges to be applied back to my Principal Outstanding Balance. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX at Liberty Finance has been very rude. Has called me 2-4 times a day regarding payment. Before her there was a man name XXXX and I had asked not to be contact through references and they had put it on my file. Today XX/XX/XXXX they called my references after I had already let them know not to. I have had a rough time since my husband and son had XXXX  and was unable to work for a while. I did let her know I will contact her when I can make a small payment. She was very rude and said she will keep trying to call me after I told her not to call me or my references.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Trans union XXXX XXXX Has my account as late never been late. Account # XXXX
Product: Credit card or prepaid card

I opened a Macy 's store credit card. In XX/XX/XXXX, XXXX XXXX took over the Macy 's credit card. SInce at least XX/XX/XXXX, a charge for a cash advance has appeared on my bill for {$550.00}. I never used a cash advance, in fact, the cash advance feature was never a part of my card features. The cash advance balance has grown to {$1100.00} to date. A rate of about 16.00 a month since the charge was first placed on my account, so a total of about {$1500.00} in interest since XX/XX/XXXX. 
This year, I really took note and took action. 
I repeatedly called Macy 's XXXX XXXX   customer service at XXXX. One agent confirmed I never had a cash advance feature, the other agents were of no help, I was on hold for 30-45 minutes, transferred and hung up on repeatedly trying to resolve my issue. On or about XX/XX/XXXX, I put in a dispute for the whole amount of {$1100.00} and Macy 's XXXX  claims to be investigating. I am XXXX   years old, I have XXXX XXXX and have to deal with this issue in between my XXXX treatments. I feel Macy 's is predatory and has not been a help. I want an investigation into the cash advance issue and a refund of all the cash advance amount and interest. 
I feel like Macy 's knows i am ill and is putting resolving this issue off and waiting for me to die.
Product: Credit reporting, credit repair services, or other personal consumer reports

- '' Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' - '' Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - '' Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX Missed Payent Dates do not match According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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. 

( 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: Checking or savings account

I mobile deposited a check that was signed over to me by my roommate and CHASE flagged the check as fraudulent and said they needed to verify the identity of the person who signed the check. So he gave then his phone number and they said they were unable to verify through the verification service that they use. This person has give to several branches in person with his ID and his phone to prove his identity only to be told that is not their policy anymore and they can only verify through their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 a 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
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Debt collection

I did stay in the XXXX XXXX apartments as a weekly tenant. I did not sign an agreement to be a tenant on a yearly basis and I left long before things change for me to be held accountable. The information the sent shows that someone was paying weekly in XXXX of 2021, well I was already living in the state of Missouri since XXXX of 2021. The debt does not belong to me, Ive tried numerous times to explain this but they are not being reasonable and want to force me into paying for an obligation I did not agree to. Ive been having trouble getting housing because of this, I searched for lawyers to pursue legal action but was told I was outside of the time frame to do so, I just want this removed.
Product: Money transfer, virtual currency, or money service

I started with XXXX XXXX in XXXX. Paid them XXXX Euro by credit card to start an account. Their broker XXXX was the contact, XXXX by signal message. He phoned at random times so I told him to cancel the deal and return the money. XXXX XXXX did all the trading, never asked me what/ how much or anything. Then the manager XXXX got on the phone and became my senior broker. All further payments were by bitcoin using XXXX. XXXX would go on XXXX and perform all the XXXX transactions on my laptop. XXXX wanted XXXX, which I paid. The trades on XXXX looked good so I then paid another XXXX by XXXX. The trades got past {$350000.00} so XXXX asked for some insurance to protect the fund, I paid the insurance, circa 40,000. The trades got better and reached about {$600000.00}, since the insurance was only valid up to {$350000.00}, I needed to top up the insurance to $ XXXX, so paid another circa {$35000.00}. 
Some trades went negative when XXXX XXXX did transactions which I told them were stupid with Gold. To trade higher than the world record was madness. I then wanted cashed out. The trades were about {$630000.00}. I then had to pay a negative trading amount of circa {$40000.00}. A franchise fee of 4 %, about {$30000.00}. We set about doing the withdrawal when apparently I made a mistake and the funds were sent to the wrong wallet, which was a cold wallet! 
XXXX XXXX, the accounts manager was now involved and needed to get some XXXX programmers involved XXXX XXXX XXXX. I need to create a XXXX bitcoin wallet, circa {$80000.00} to enable XXXX to restore the funds. This took about a week with lots of stress. When it was restored, I needed to go down the traditional banking route to get the funds back to my account since the XXXX approach had been burnt. XXXX XXXX, fees 3.4 % plus currency fees, so I paid about {$50000.00}. Also had to pay taxes for the profitable gain of {$400000.00}. I paid about $ 80K in taxes since the bank route required XXXX taxes to be paid as well as the cryptocurrency tax route. 
XXXX XXXX  sent the money to XXXX XXXX  in XXXX, so had to pay another {$35000.00} to XXXX XXXX. This was now a very risky route given XXXX were cautious over money laundering and the funds might get lost or at least queried. XXXX then decided to go back to the cryptocurrency route which required another XXXX bitcoins to be paid. Circa {$40000.00} was paid, this then needed another XXXX bitcoins to make a link. At this stage I told them they needed to help. They offered to pay 50 % for my 50 % so about XXXX each.
Product: Credit reporting or other personal consumer reports

Last year, I disputed these fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with Experian, providing clear evidence that they were fraudulently opened without my knowledge or authorization. After reviewing my dispute, Experian rightfully removed these accounts, and on XX/XX/2025, I received confirmation that they were deleted. I thought this issue was finally resolved. But now, on XX/XX/2025, these same fraudulent accounts have suddenly reappeared on my credit reportwithout any explanation, without any notice, and in clear violation of my rights. This is absolutely unacceptable! Under 15 USC 1681i ( a ) ( 5 ) ( B ), if Experian decides to reinsert previously deleted information, they are legally required to notify me in writing within five business days. They failed to do that. Additionally, Experian is obligated under 15 USC 1681e ( b ) to ensure that all reported information is accurate and verified. By allowing these fraudulent accounts to be reinserted, Experian has failed to meet this legal standard and is once again reporting false, damaging information that should have never returned in the first place. This is beyond frustrating. My credit score has already suffered because of these fraudulent accounts once, and now, because of Experians reckless handling of my data, my score is taking another unjustified hit. I should not have to keep fighting for Experian to do their job correctly and follow the law. I am demanding the immediate deletion of these accountspermanently. No more mistakes, no more reinsertion, and no more violations of my rights. If Experian fails to correct this immediately, I will escalate this issue through legal action, regulatory complaints, and any necessary steps to hold them fully accountable for this blatant FCRA violation. This needs to be fixed NOW.
Product: Debt collection

Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX. I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.
Product: Credit card or prepaid card

CAPITALONE CANCELLED CAPITAL ONE DEBT PROTECTION PROGRAMS WITHOUT PERMISSION AND NOW MUST FORCE ARBITRATION ON SAID ACCOUNT. 

FILE A CLIAM THAT WOULD PAY OFF BALANCE OR CANCELL DEBT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian Please delete these addresses off of my report and phone numbers and names they are affected by credit report and my credit and my life
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I had a payment due for my credit card on XX/XX/XXXX with the statement balance being {$320.00}. I had scheduled a payment on XX/XX/XXXX for the full statement balance and received an email confirmation stating the payment was scheduled. On XX/XX/XXXX at XXXX I had received another email from Barclays Card stating the following : " Thank you for your recent payment Hi ( MY NAME ), Were confirming your recent payment of {$320.00} was posted to your AAdvantage Aviator XXXX XXXX XXXX Mastercard account on XX/XX/XXXX. 

To review all your payment activity, please log in to your account online and select Payments. 
View Payment Thanks for choosing us. " Upon receiving this email confirmation I assumed everything was good to go. On XX/XX/XXXX, one day after my payment due date, I signed in online to check my account and discovered that the payment was not in fact actually applied. With the apparent reason of them being unable to locate the bank account. Which I find unusual as I could see that the routing number was correct and the last 4 digits of the account were also correct, and as you have to enter the account number twice I find it highly unlikely that I entered the first 4 digits of the account number wrong, and no other credit card company has issues drafting money of my account. Upon discovering this I made another payment on XX/XX/XXXX with another account. I then contacted support and expressed my grievances about the system. Since it was one day late it triggered an interest charge. Support agreed to waive the interest. Upon checking today on XX/XX/XXXX, I am now being charged residual interest in the amount of {$20.00} and they refuse to waive it. My biggest complaint is that they sent me a misleading email saying that my payment was applied when it wasn't. They claim that they sent me a letter dated on the XXXX. However it didn't arrive till the XXXX, which would have been way too late to address the issue. They didn't send me any email notification that there was a problem otherwise I would have fixed the issue the same day. Instead they just wanted to wait and charge me interest so they could collect more money. So through no fault of my own I am being penalized because of a system error, which is not my fault. Again had they not just sent me an email stating that my payment was applied I would of known to check my account, or even if they had sent an email stating that there was an issue I would of checked my account, and made another payment and all of this would of been avoided.
Product: Checking or savings account

My account was wrongfully restricted on XX/XX/year>. I have called the bank several times just to be given no information. I recieved an email on XX/XX/year> saying that they were closing my account within 30-60 days and all my cards and accounts became restricted. I was specifically told no deposits will be able to go into the account and since my direct deposit was processed on the same day it went through to Citi bank. This is my only checking of count where all my money goes into and Citi bank is not trying to give me any information as to why this has happened. I have access to no money, I have rent due, car note, I cant buy food, and XXXX XXXX XXXX XXXX XXXX XXXXt but no one seems to care at Citi bank. I have been a very loyal customer since day one. I have a little over {$900.00} in this account and over $ XXXX in my savings account that I can not access now. I keep getting transferred and hung up on every time I call Citi bank. I can confirm every single transaction in my account. I have even attached a copy of the direct deposit that went into the account from my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.