23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have attempted 3 times to close my XXXX  credit card issued by First Financial Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ). After 2 requests to close this account, I called on XX/XX/XXXXXXXX  and spoke with a representative named XXXX, who provided me with a confirmation number indicating that my account was closed. I received mail in XXXX XXXX  suggesting that this account was still open, at which time I called and was informed that the account is still open. I informed the representative XXXX XXXX XXXX representative # XXXX ) that I have tried to close this account many times and that keeping an account open after a customer requests that it be closed is a predatory practice. XXXX verbally confirmed that the account was closed, however, I received this same verbal confirmation during my prior calls. He was unable to provide me any written confirmation that the account had been closed, which I requested. He attempted to transfer me to an " account specialist '', however, this transfer simply took me back to the general call center queue. I continued to try to reach a specialist or supervisor and have been unable to do so.
Product: Debt collection

Received a call on XX/XX/2023 from XXXX and XXXX from phone number XXXX about a debt on a Compass Gold card through HSBC, which I've never even had. The man threatened to sue me if I didn't pay it. I stated again that I never had a Compass Gold card. He got mad and hung up. I called back and a woman answered. She immediately got aggressive and yelled at me that they were going to sue me. I told her to go ahead and sue me then, because I am not paying a debt that isn't mine. She continued to yell at me for another XXXX seconds or so before hanging up. I tried calling back several times to get some answers as to why they were harassing me. It appeared that my number was then blocked at that point, as it would not ring through and immediately disconnected every time I tried to call.
Product: Mortgage

I submitted my payment on time but the company said the XXXX is delayed in sending mail. I cant believe that it took XXXX 25 days to deliver mail to them. They charged me a late fee of {$150.00}. I think they are making money of the late fees.
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 Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX* Account Name : XXXX XXXXAccount # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information with Transunion was breached and here is the proof and they refuse to delete all negative balances on this account. Please have them remove these negative account immediately since I was a victim of there data breach.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2022 I sent XXXX, XXXX, Experian Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
Product: Mortgage

CITI MORTGAGE COMPLAINT : Today my broker and i were on a XXXX call with a " manager '' who states her name is " XXXX '' XXXX REFUSED to provide her last name. I was informed that Citi will not submit a foreclosure sale postponement request even after XXXX told them to put XXXX in. Citi also now claims that the file was incomplete which is contrary to numerous calls and emails stating that all documents were in we were only waiting for the Appraisal and BPO. All our documents have been in for over 45 days after repeated faxes and emails with duplicate documents. Not only did I send Citi the documents but I also sent them to the attorney as they requested them as well. Back in XXXX all the documents were confirmed in and the issue was then the file was stuck in a special legal department and had to be released. It has always been some excuse as to while the file was not moving. Then in XXXX a guy named XXXX was holding up the file and could not see any values in the system and informed us I never let anyone in for the request. I gave Citi the appraisers name and BPO agents name of who came then two weeks later they confirmed that the values were completed they just lost them. How do you lose values? I was informed that they reached out to the department in charge of validating the values and that would take another 10 days. Then I was informed early XXXX by both the rep XXXX and again last week by XXXX that these files are sitting awaiting assignment which is taking abnormally long considering the short staff. We were also informed weeks ago that Citi was putting in a request to postpone the sale which never happened. 
Im really a loss for this behavior. I would be fired if I lied and treated customers like Citi is routinely conducting themselves. I have been nothing but very accommodating to them during the unfortunate time in my life and separation from my wife. XXXX of us are always very accommodating to Citi for access of our property. Can you please call someone that is in the position to investigate what is going on with this short sale department? Someone needs to find out why Citi is accepting XXXX assets if in fact they do not have the staff to properly work the files. It is unacceptable to to place these files in jeopardy of foreclosure and be unwilling to even send the attorney a request to postpone. The attorney office has emailed my broker daily ; since Thursday, looking for the request so I know they are more than willing to ask the Judge to postpone the sale. 
I would love someone to pull the phone recording and listen to how rude XXXX was. XXXX is a manager? That may explain why those who work for her are unwilling to assist the customers. Something needs to be done! 
On another note, the junior lien holder issued a release for {$6000.00}. The net is about {$23000.00} less than the foreclosure summary judgement. That would mean a deficiency to the us far less than a deficiency if this goes thru the foreclosure process. We are asking that someone look at all the facts here and give us time to properly work the file.
Product: Credit card

On XX/XX/2023, I messaged in to the American Express chat feature to close an account. I specifically mentioned multiple times that I would like to close my Business Platinum card ending in XXXX ( see screenshots attached ). When I was given the terms and conditions for closure and prompted for confirmation, I specifically mentioned the card type and card ending in XXXX. Unfortunately, the representative erroneously closed a fairly new Business Gold Card ending in XXXX, which I realized a few weeks later. I then messaged back as soon as I noticed ( on XX/XX/2023 ) to rectify this mistake. The correct card was then re-opened ( XXXX ) and the correct card was then closed ( XXXX ) which was good news. However, the XXXX card was fairly new and I had just received a signup bonus for it ( XXXX XXXX for pre-requisite minimum spend, plus points for the spend itself ). Because it was closed within 1 year and this was against the terms of the signup bonus, the points were retro-actively deducted -- resulting in a negative XXXX Membership Rewards balance ( closer to negative XXXX XXXX balance ). After XXXX week of the points not being re-instated as they were supposed to, I messaged in on XX/XX/2023. They said it would take 7 days maximum of escalation. I messaged in on XX/XX/2023 and they said it would take a maximum of 72 hours additionally. It is now XX/XX/2023 and it has still not been rectified. The points have been deducted from my account, hours of my time have been wasted, all based on an error and poor subsequent rectification on their part.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELECTRONIC MAIL and CERTIFIED MAIL XXXX XXXXXX/XX/XXXX Champion Funding, LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX c/o Legal Department In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir : This demand is a formal notification pursuant to the secured note by and between Champion Funding, LLC and the above. Champion Funding LLC sold/transferred this loan by means of deceptive practices to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My documented call and the direction of XXXX, division of XXXX serving this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosing false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced began in XXXX, XXXX. The interest rate was initially set at 6.375 % on the good faith estimate, which is attached for your perusal ( hereinafter attached as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have since discovered and ascertained information that our property should not have been recognized as a XXXX  as our Association maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ).

Since conception of the loan, we faithfully paid the advised amount each and every month. Due to the most recent occurrences of the hurricane XXXX and XXXX that hit Florida, we have become one of those being faced with catastrophic damages to our dwelling. We are hopeful that the insurance will make us whole. 

We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan. 

This matter is of urgency, as such we are requesting if you can kindly rush this application so that there is no interruption. Thank you for your consideration. 


SincerelyXXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SS : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. XXXX XXXX XXXX : Account XXXX ending in XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX. XXXX : Account XXXX XXXX XXXX. XXXX : Account XXXX XXXX XXXX. XXXX XXXX : Account XXXX XXXX XXXX. XXXX Bank : Account XXXX ending in XXXX XXXX. XXXX Bank XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX XXXX : Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result oXXXX XXXX

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated the fraudulent and questionable item on my credit report and have not received back anything in over 45 days for the account that is clearly inaccurate and fraudulent. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

The account in question and its account numbers : XXXX XXXX acct XXXX XXXXXXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , Equifax and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.
Product: Debt collection

There Is a debt Owed of {$170.00} to Collection Agency, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX on My Credit report. No Idea what {$170.00} Is for?
Product: Credit reporting or other personal consumer reports

The CFPB and the FCRA has deemed it to be banded and illegal to place medical debt onna persons credit report. This is a great and gross error on my credit Report which shall be removed within 10 days or less.
Product: Debt collection

Got Collection letter from this company and the debt is not mine. Never initiated business with this company.
Product: Debt collection

I don't recall having a contractual relationship with this collection company PORTFOLIO RECOVERY ASSOCIATES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a account with Capital One, I contacted them and reported fraud and they closed the account opened. I want this off my credit bureau report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.