23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion was reporting an incorrect balance on my student loan for XXXX running months. I called on XXXX XXXX, 2016 to begin the dispute process. I spoke to a CSR and was instructed to fax my account balance to TransUnion with a written letter explaining my dispute. I conversely connected with the creditor and received a certified letter which reflected the correct balance. The creditor ( XXXX ) CSR notified me that on XXXX XXXX & XXXX XXXX the correct balance was sent to TransUnion however on XXXX XXXX, 2016 TransUnion is still showing the incorrect balance. TransUnion CSR is saying that they still need more documentation proving the correct balance. I would like to report TransUnion because they lack the ability to maintain accurate account balances in their system in a responsible and timely manor. Not only has the creditor provided the correct information, I have also twice provided the documentations.
Product: Debt collection

I am showing General Revenue Corp on my Credit report   XXXX    and   XXXX   for a balance of {$310.00}. I do not have a signed contract with General Revenue and do not owe a debt/balance to General Revenue. I am not aware of any signed contract with General Revenue.
Product: Debt collection

I checked my report for accuracy and saw an account for LVNV FUNDING LLC for Original creditor : XXXX XXXX XXXX in the amount of {$380.00}. 

I was in an abusive marriage for the last five years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to lose my kids to child protective services due to the ongoing abuse. At the time of this collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I finally came forward about the abuse this year and the judge put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting settlement of {$190.00} and deletion of this debt.
Product: Bank account or service

a few years ago, I over-drafted in my account pretty bad. I owed XXXX dollars in XXXX dollar over draft fees because, my bank account online would tell me all of my purchases, but sometimes they would disappear leaving me to believe I had more money than I actually had. Then when I would spend that money, a few dollar at a time the original purchase would pop up again and would make my account go in to the negatives. And then I would get all of the over draft fees. Could that be bad on my banks side?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I am able to purchase a home for me and my family .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : I noticed this problem in XX/XX/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

The three credit reporting agencies which are XXXX, Experian, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Debt collection

On or about XXXX XXXX, 2024, Portfolio Recovery Associates ( PRA ), LLC, ( XXXX ) XXXX, a debt collection frim, called my cell phone number, ( XXXX ) XXXX and said there was an outstanding debt. My elderly mother could not get any more details at that time. Today, I contacted PRA to find out what this supposed debt was. I gave them the date and phone number that was called and they were unable or unwilling to provide any details. Instead they wanted to collect information on me such as my full name, address, and phone number. I explained if they have a legitimate unpaid debt associated with the number they called, now was the time to let me know and if it was legitimate, I would make arrangements to have it paid. If they were unable to provide the information the was nothing more I could do. This repeat offender company, recently ordered to pay XXXX Million in damages for unfair and deceptive practices, is at it again, harassing the elderly. I would like to know : XXXX. What is the alleged debt? 
XXXX. What is the amount supposedly owed? 
XXXX. When was the debt incurred? 
XXXX. By whom was the debt incurred? 
I want the phone calls to stop immediately. I do not consent to my personal information being shared with this predatory company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Chase bank has violated my consumer right Fair Debt Collection Practices act. They are making me pay back monies for a consumer credit transaction that I did with them. Pursuant to 15 USC 1692 ( c ) ( a ) ( 1 ) there is a billing error because I am being billed in the positive for monies they say I owe. They also violated my right to rescind by not providing the proper documents on the revision process pursuant to 15 USC 1635 ( a ). They also violated my rights pursuant to 15 USC 1605 ( 5 ) because my insurance was not included in the finance charges which is required by federal law. As soon as I found out my consumer rights where being violated I sent a debt validation letter to Chase and they have not responded.
Product: Vehicle loan or lease

Capitol One Auto XX/XX/15 Account was Opened. Account has been paid in full, I had some late payments but again account has been paid off for sometime now. I would like this to be removed from my credit report, this is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a recent dispute I had with Citibank regarding my credit card. Despite my efforts to resolve the issue through their customer service, the dispute was not approved, and as a result, my credit card score took a hit. I am submitting a complaint to your institution to seek a resolution. 

I have a XXXX payment history across all my credit cards and have always been a responsible and prompt payer. I believe that this dispute was caused by a mistake on Citibank 's end, and I am deeply concerned about the impact it has had on my credit score.

I would like to inform you that I had repeated experiences of being cut off in the middle of conversations or text chats with Citibank 's customer service. This made it very difficult for me to resolve the issue, and I feel that my attempts to do so were not taken seriously by the customer service agents.

I do not have the text transcripts as proof of the situation, but I am confident that Citibank was in the wrong. I kindly request your assistance in investigating this matter and helping me resolve it in a satisfactory manner.

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Product: Bank account or service

[ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards. 

Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep XXXX
Product: Debt collection

This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking  questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.
Product: Debt collection

This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key.  Yhis is very frustrating and I want it to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, Equifax XXXX XXXX. This particular account still exists and shows XXXX responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until XXXX heard. Thank you.
Product: Credit card

ID Theft Victim and someone gained access to my account through the phone system Friday XXXX changing my email, and physical address, I called and 3 hours later they added a special security phrase that would stop access to my account if it wasn't provided and I was told it can't happen again .... 

Here we are the very next Monday XXXX and the hackers not only called in and changed my email address but they also changed the password on my online account locking me out! Then they called back and changed my physical address! All without even being asked my super sceret special security password I set up friday that the fraud depeartment aka " consumer protection depeartment '' set up for me! 

They never even sent a verification code to my phone, and even after my account was noted that just this past friday that someone did the very same thing they let it happen again without a care or hesitation!! 

So today citibank just let them do it again and didnt do a single thing to actully secure my account? The only way Citibank can stop it is by placing a hold on all of my accounts, making them all useless without calling the fraud department to activate and disable my account when I want to use them! ( Imagine being a XXXX XXXX and running to XXXX XXXX for parts ) who pays for my time activating and deactivationg my card with the fraud depeartment? 

Why is this the only company that dosent offer or allow 2 factor authentication? Why do they keep letting people call in and type just the last 4 of my ssn and gain full unrestricted access to my accounts with citibank? 

I have the hour long phone call recorded with a " consumer protection department '' supervisor telling me multiple times that there is no way for them to secure my account without locking it so I can't even use it! 

They admitted in that call that they can not do anything to protect our accounts and told me i needed to contact corporate because the fraud depeartment cant do anything about it!!! 


How is this allowed? 

I have the audio if you want to hear it, I have the proof if you want to see it, I just want to know why citibank won't secure thier system to protect us? What's being done about this? 

With millions of people victims of id theft every year, and citibank flat out told me in a recorded call that all you need is the account holders last 4 of ssn and to spoof your phone number to look like you are calling from the account holders phone and POOF total access to any account of anyone who holds ANY citibank card! 

Let that sink in CFPB Is this right? 

I have the call if you want to hear it, I'm 8 hours deep in thier security laps nightmare is there any recourse for my lost time trying to straighten out something that shouldn't even be possible? 

ESPECIALLY after my account was notated about it and after a 2nd password that got ignored was added they still allowed access to my accounts and did nothing to protect my personal information, even after being made aware of the problem
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB against I C Systems because they arent licensed to collect a debt in my state. They agreed to only remove their XXXX & XXXX account my credit report!!! They also have a STORAGE SENSE account they didnt mention and they need to pull that too. I said ALL accounts! And storage sense is fraud. I dont have a signed contract with them or with I C! This needs removed! Theres too many violations. 

Since you arent licensed in my state to collect a debt refrain from EVER buying an account with my name on it! Next time I see you on my credit Im going to court By 28 USC 1346 ( b ) you are required to remedy your violations! After a full stop cease and desist I would like a letter stating its all been removed, you wont purchase anymore accounts in my name, and you will stop reporting! 
I also demand {$5500.00} for damages. This is total for both accounts. Send me {$5500.00} in damages or Ill pursue {$500000.00} in federal court. I am a national. I am executor of XXXX XXXX. This is due to me.

Im attaching where I C Systems isnt licensed in my state, where they said they would remove one acct but didnt mention the other.
Product: Credit reporting or other personal consumer reports

Beginning in XXXX XXXX, Transunion began reporting a collection account in the amount of {$3500.00} with the creditor 's name being XXXX XXXX XXXX XXXX XXXX. This is not my account and I have never had any type of dealings with either creditor, XXXX XXXX XXXX XXXX XXXX XXXX. Being that my social security number and personal information has been used without my knowledge/consent, this is fraud. My credit was recently pulled by the XXXX XXXX XXXX for a Mortgage Loan Officer license. My application was not approved due to this erroneous, inaccurate item reporting on my Transunion Credit Report. This has caused damage to me financially, as well as professionally. Remove this account immediately. 

According to FCRA 15, Section 611 ( 5 ) ( A ), Transunion is required to delete all information that is inaccurate, incomplete, or which can not be verified promptly. This has not been done as of XXXX. 

According to FCRA 15, U.S.C. 1681, Section 602 ( A ), I have the right to privacy. FCRA 15 U.S.C 1681, Section 604 ( A ), Section ( 2 ) and FCRA 15 U.S.C. 1681 ( B ) state that a consumer reporting agency can not furnish any account information without my written instructions. I have not given Transunion permission to report this information on my credit report. I want this inaccurate, erroneous information that is being reported without my permission removed immediately. Since I have not given any consumer reporting agency, specifically Transunion, my permission via written consent to report this information, this is considered identity theft. Please delete this information immediately. 

According to FCRA 15, U.S.C. 1681 ( C-2 ) ( A ), a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that you bank, XXXX XXXX, has acknowledged an error in recording the payment for this account and agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. Account : XXXX  - XXXX XXXX  XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Vehicle loan or lease

I purchased and financed and got a warranty for a vehicle in 2021 from US auto sales. I had been paying my car off without a hitch. All of a sudden in XXXX or XXXX US auto sales closed down without notice. Even after that happened I still continued making my payment on the website provided. A few weeks later I get a call from a company called Westlake Portfolio Management and they said they were taking over my contract with US auto and that not only do I have to pay them, but they also increased my loan payoff. Being that I wanted to make sure that I wasnt being scammed, I asked them to send me a copy of my contract from US auto sales and they responded that they didnt have the paperwork. I proceeded to tell them that I needed the contract to start making payments to them. They not only didnt send my the contract, they proceeded to illegally repossess my vehicle. Up till today, they never gave me any information as to the location of my vehicle to even at least get my personal items. This has been a nightmare. I dont have a contract with Westlake portfolio, they stole my car and my personal belongings and they must not get away with this. I either want my money for the car Ive paid and my personal belongings they stole or they need to give me my car back. They have no documents to show but decided they could do this to me! This has caused me XXXX and stress.
Product: Debt collection

They call me every single day several times a day. They use a private number so I cant see who is calling or even call me back. They leave voicemails that are threatening me.
Product: Debt collection

I had been disputing a bill with Imaging Specialists in XXXX. XXXX for service in XXXX of XXXX. I had them confused with XXXX XXXX in XXXX XXXX who I also received imaging from. 

Last time I spoke to Specialty Imaging in XXXX I was told I had no balance. In XXXX I realized I had the two companies messed up. I contacted Imaging Specialists on XX/XX/XXXX or XXXX. Explained the mistake and can they send me a bill. 

On XX/XX/XXXX, I received a notice from XXXX that a connection account has been added to my account from Financial Data Systems LLC. XXXX XX/XX/XXXX I received a notice from XXXX that a collection account has be put on my credit report from Financial Data Systems LLC.

The bill is for {$200.00}, its not a lot of money. I am more aggravated that I was put into collection while I was asking of a detailed bill of what I was charged and what was covered by my insurance. The reason is I had XXXX XXXX on XX/XX/XXXX and I hit my yearly deductible in XXXX.
Product: Credit card or prepaid card

I Was Charged, Without My Permission, {$110.00} On Three Separate Dates, For Computer Software. The Company Is XXXX XXXX  The Fraudulent Charges Were Put On My TD Bank Visa/Signature Credit Card Ending In XXXX. The Dates Are : XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. The Total Amount Is {$350.00}. I Called The Company On XX/XX/XXXX And XX/XX/XXXX. They Told Me That I Was Not Charged Three Times. My Statements Indicate That I Was. ( I Will Be Sending Copies Of My Statements In The Mail ).