23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX/ XXXX XXXX group as assignee of Citibank N.A . had asked for copies of statements proving the balance due, had asked everything in writing to stop robo calling ; had told them balances were in error and that Citibank had not honored credit protection, rewards points, XXXX had refused any assistance in this matter ; they had been reporting this account late going on 3 years on my credit report. Summons was issued, refused any assistance, paid attorney XXXX to answer summons, filed at the courts myself ; had para legal complete and notify XXXX/ Citibank ; with case management, filed and entered at court ; ordered to appear XXXX/XXXX/XXXX original XXXX then changed to XXXX ; I appeared at XXXX then stayed the entire day of which XXXX group no showed ; they were given another court date XXXX XXXX, XXXX had I been the one not to appear I would have a judgement however since it was a credit card collectors representing the banks with legal representation? it was rescheduled. Most recently mailed a threatening notice claiming that they still had not received appropriate information? This has been causing undue stress and continued negative reporting on my credit rating which I have been trying to correct after major medical, loss of homes foreclosures, had Citibank has knowingly sold this and XXXX has knowingly refused to stop proceedings while under investigation. They failed to show!! this should have been at the minimum dismissed with prediduce. I have told them that I am on a fixed income and unable to come up with cash lump sum, I have also shared with them it is inaccurate and that they need to send the numerous years of payment to me showing just where they got their totals? Citibank has complied with liar reports sent directly to XXXX with their added fees after they declined to assist.
Product: Debt collection

Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/XXXX has violated my rights. 

Below here are the accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 


15 U.S.C 1681 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 make 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 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.

Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. s Below here are the accounts XXXX XXXX XXXX XXXXXXXX, has violated myrights. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 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 make 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 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. Delete account immediately.
Product: Debt collection

I just received a debt collection letter from National Credit Systems , Inc, which said that the person who lives in my current address ( with a very similar name to mine as XXXX XXXX, not sure if they made a typo ), owned {$6900.00} to their client : XXXX XXXX. This is completely absurd since I have not engaged in any transactions with this company. I did not receive any prior contact of this debt from this company either. 

Then, I followed the instructions on the letter and accessed their website on the case of the claim sent to me, which showed no relevant information to me. The name shown on their website is a complete stranger.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS INSANE. 

4 months ago my car got wrecked. These clowns never once showed me money was due to me. I called them repeatedly I showed them my new address repeatedly. 

So then they reported me as delinquent on the money owed. For a debt they never proved existed. 

I paid the debt *over two months ago* then they reported back to the credit agencies the credit was good/great. 

Then on XX/XX/XXXX, so a full six weeks after paying them off for the debt they never proved *they reported me deliquent again* I even have a letter from them dated TWO MONTHS AGO SAYING THE ACCOUNT IS CLOSED. 

I'm being reported deliquent twice for a non-existent debt. I have called them, I have wrote them, I have contacted all three credit reporting agencies. 

PLEASE ACTUALLY DO SOMETHING
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their refusal to accurately report my credit history, which has resulted in significant difficulties in my financial life, including hindering my ability to close on a home. 

Despite having established credit and my creditors consistently reporting my account information to all three major credit bureaus, Equifax shows no credit history for me. I have reached out to Equifax countless times to resolve this issue, but my attempts have been met with nothing but frustration and inadequate responses. 

Equifax has repeatedly instructed me to contact my creditors to ensure they report my information to their bureau. However, upon doing so, my creditors have informed me that they are indeed reporting to Equifax and that the issue lies with Equifax not updating their records. I have also provided Equifax with the necessary documentation to verify my identity as requested, I have mailed Equifax the proof, yet the matter remains unresolved. 

This ongoing issue is not only causing me emotional stress but is also impacting my ability to close on my home. The lack of credit history reported by Equifax poses a substantial hurdle in other aspects of my financial life, and I fear that my opportunity to secure this home might slip away. 

I kindly urge the Consumer Financial Protection Bureau to investigate this matter on my behalf. It is vital for me to have an accurate credit report in order to proceed with my home purchase and restore my financial standing. 

Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide in resolving this significant issue. 

Sincerely, XXXX
Product: Checking or savings account

I received a letter from Citi Bank on XX/XX/year>, stating that " we found that you have violated the terms of your account per the client manual. '' No further explanation was provided, and access to my account was frozen. The problem is exacerbated by the bank 's lack of definitive written communications and, other than the initial XX/XX/XXXX letter, the fact that each person I contacted responded differently to the situation. 

According to my XXXX statement on XX/XX/year>, I had a balance of {$18000.00}. On XX/XX/year>, the bank allowed a withdrawal of {$9600.00}, leaving me with a balance of {$8900.00}. 

After contacting various customer service departments at Citi Bank, including the Fraud department, I could not get a reason for the account closure or a consistent answer regarding when my funds would be available. I received varying responses, and one " supervisor '' instructed me to go to the bank immediately to withdraw my funds. He stayed on the phone with me while I drove to the bank, but when I arrived, the teller did not return my funds. At another point, the Fraud department informed me that a check would be mailed to me sometime after XX/XX/XXXX. Finally, on XX/XX/year>, I was told that no funds were available and that the bank was keeping my balance.
Product: Debt collection

I have made several attempts to get an unvalidated Cox Communication account removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the Cox Communication was confirmed by. I honestly do not believe anyone is doing an investigation because if so, they would be able to produce the documentation within the legal time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX  XXXXX Balance {$180.00} ; XXXX XXXX XXXX Balance {$11000.00} ; 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 have reached out to XXXX XXXX XXXXXXXX, Chexsystem, and XXXX XXXX  to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX  XXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
Product: Student loan

I have had XXXX Student loans since I XXXX XXXX XXXX I XXXX from a school who had been on the list of schools that were in trouble for not being able to use the degree. XXXX XXXX is a school on the list. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX were all on the list of schools misconduct. I filed a misconduct complaint with navient waited 60 days haven't heard back and they now moved my loans to a new servicer. They keep telling me to refinance them. I shouldn't have to keep paying for these loans. My degree means nothing. It doesn't help me in my position at work. It hasn't gotten me anywhere. XXXX XXXX XXXX XXXXXXXX I never went to more then a week. They wouldn't work with my work schedule so I could attend there. Still stuck with a payment. I have been paying them too long, I can't stop or my credit suffers. I have teenagers I can't help through college because I am still paying on mine. Interest rates along are XXXX %. This is outrageous that XXXX can get away with this. My federal loans were forgiven because of the lawsuit XXXXXXXX XXXX XXXX Why am I stuck with these because they are private??
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Experian multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation.
Product: Money transfer, virtual currency, or money service

So on the XXXX of XXXX, I had a family member log into my account to deposit my PayPal balance to their bank account as I am not a US citizen and they are. From that point onward I have been trying to make payments on XXXX using my PayPal balance and there is a restriction on my account that I had never been notified of. They simply won't allow me to use that money to make a purchase so that money is basically sitting in my account useless. They also won't allow me to make payments using the cards attached to my account. I have tried reaching out to their customer service but they have kept giving me the runaround and have been very rude and smug in the process. The matter is very urgent and I need to be able to use my money asap. I really thought PayPal was a reputable company but this experience has proven me wrong.
Product: Mortgage

Despite meeting payment arrangement and paying earlier than agreed Ditech harasses us over the phone and by knocking at our door! 
It is unacceptable to have this company abuse its clients by unfair practices. They agreed to a payment arrangement, payments were made and paid balance due before agreed date. They have knocked at my door twice leaving nasty messages. Balance due was paid last XXXX XXXX. Today XXXX XXXX someone knocked at my door and left another nasty message. WHY? UNACCEPTABLE!!
Product: Debt collection

I repeatedly tried to contact IC systems for the unknown account on my credit reports to no avail. This incorrect information is hurting my chances at applying for new credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff CHILDSUPPORT XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX  XXXX Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff
Product: Checking or savings account

A few months ago I received an offer from Bank of America to open a checking account and receive {$500.00} bonus after meeting the requirements. See attachment to this complaint for offer terms. I have opened an account and met the bonus requirements, but never received the bonus. My multiple attempts to resolve the issue with Bank of America customer service all led to nothing.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$240.00}
Product: Debt collection

Company has repeatedly sent me letters trying to collect a medical debt that is not mine in the amount of {$1200.00} on XXXX XXXX for a person named XXXX XXXX who resides at XXXX XXXX XXXX , XXXX , Texas XXXX. His birthday XX/XX/XXXX. 
His phone number is XXXX. 

This is not me. I have tried to explain to this to the person on the phone with the debt collector agency ( Commonwealth Financial systems ). He was a completely unprofessional and not willing to help me at all. They have even reported it to XXXX. I have excellent credit and this has lowered my credit score. Please help. Not sure what else to do. 

Warm regards, XXXX
Product: Credit reporting or other personal consumer reports

I ask that you delete these inquiries. I am not acquainted with them, and the company proceeded without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA.

Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor.

In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint. 

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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: Debt collection

I was promised with the first phone call if I paid this debt they would remove it from my report. The debt is paid and they will not remove it. I have disputed with the credit bureaus to no avail. 

They have also re-aged the debt to a newer first date of delinquency. First date is XXXX and they have XXXX with the credit bureaus. 

They are also reporting that they are the orignal creditor. 

All of these actions are in violation of the fair credit reporting act and consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX