23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Home Depot card had XXXX promotional balances : XXXX/XXXX/16 {$1400.00} XXXX/XXXX/16 {$2000.00} XXXX/XXXX/16 {$310.00} I paid {$100.00} on XXXX, {$90.00} of which was for the minimum payment. On XXXX/XXXX/16 I paid another {$100.00} toward the XXXX/XXXX/16 promotional balance. On XXXX/XXXX/16 I paid {$2000.00} to satisfy the balance owed of {$1300.00} and the balance of {$700.00} to be applied to the XXXX/XXXX/16 promotional balance. Home Depot now shows that I owe {$2600.00} on the XXXX/XXXX/16 promotional balance. I am prepared to pay the correct balance of {$1300.00} on XXXX/XXXX/16 but ca n't since they ca n't seem to fix it. I have contacted them via e-mail, online chat and phone at least 10 times already. Now they tell me it is going to take 1-2 billing cycles to fix it. It only took them a day or two to make a mess out of it. Please help!
Product: Credit reporting, credit repair services, 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. 

DEPT OF ED / XXXX : # XXXX & DEPT OF ED / XXXX : # XXXX, have 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 an 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

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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: Student loan

I learned that Navient was starting a program about forgiving loans issued for XXXX XXXX XXXXXXXX. I spoke to a rep in XX/XX/year> and they said there was a program going on and the XXXX XXXX was on the list and she would send me the packet. Once I filled out the form my loans would go on hold till the matter was resolved. 

I then stopped paying my loan and waited for the packet. Two weeks went by and I still did not have the information. I called again and requested the information. I was then told they would send another. 

It is now XX/XX/year> and I have yet to receiveXXXX XXXX XXXX  with information. I have requested it again.
Product: Debt collection

XXXX hired XXXX XXXX XXXX to collect on prior debt that does not belong to me. This is the 3rd time that XXXX has attempted to collect the debt. Each time the debt has been removed. Under the FCRA this is a continued violation that XXXX, XXXX, XXXX, and XXXX are executing against me. 

Attached is proof of removal/deletion of this prior debt from the previous debt collector that XXXX hired XXXX 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX EQUIFAX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.
Product: Debt collection

ECSI sent a paper handwritten master promissory note from XXXX. This paper handwritten promissory is not valid as it is not electronic and its not signed using a private account. Furthermore, I do not recognize this as my handwriting and it appears to be fake and invalid. Id request ECSI contact XXXX once again for validity and type of these loans. This requires XXXX and ECSI to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXXXXXX had violated my rights 15 usc 1681 section 602 state I have the right to privacy 15 usc 1618 sections 604 a section 2 : also state a consumer reporting agency cos further a account without my written instructions 15 usc 1666b : A creditors may not tread a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> RE : Pending Litigation Pursuing Relief and XXXX Damages under FCRA Sections 1681n, 1681o, and 1692k for Non-Compliance ATTN : Credit Dispute Department This is my final attempt to reach an agreement before initiating legal proceedings, in response to your continued violation of the Fair Credit Reporting Act ( FCRA ) due to your refusal to remove unverified information from my credit report. 
I am making this final offer of settlement prior to legal action in an effort to resolve the FCRA violation where you have failed to remove the UNVERIFIED items mentioned below. If these items are not promptly deleted, I intend to take legal action under FCRA Section 616 and Section 617 to seek redress and recover any applicable monetary damages. Despite my several written requests, the unverified items listed below persist on my credit report, contravening Federal Law. 
According to the FCRA, you are obligated to have the original creditors ' documentation on file to authenticate the accuracy of this information. I am left questioning : Who verified this information? 
You have not furnished me with any original documentation ( a consumer contract bearing my signature ), as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the necessary method of verification as mandated by Section 611 ( a ) ( 7 ). 
Therefore, I hereby served this Notice of Pre-Litigation/Pre-arbitration to request that your agency takes immediate action to comply. 
Inaccurate/Inconsistent Accounts : PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have made diligent efforts to communicate with your agency, sending several dispute letters in the past to rectify the inaccuracies on my credit report. Unfortunately, your agency has neglected to conduct a thorough investigation and has not provided any meaningful response or action to address these issues.Please be aware that FCRA XXXXtion 611 ( 5 ) ( A ) specify that you are obligated to " promptly DELETE all information which can not be verified. '' and According to the provisions outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) inaccurate information must be removed. The legal implications and remedies available to me ( Section 616 & 617 ) in case of your failure to comply with federal law are clearly defined. 
As a consumer prepared to take legal action, I am decided in pursuing litigation to assert my FCRA rights in this matter. 
Your cooperation and prompt attention are required by law. 
XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My medical records were sold to a credit company that I did not receive medical treatment from. Im not sure who these people are but Im pretty sure its against the law. I dont want them to have my information. I would like them to destroy the debt as well as anything they have with my name on it, or any of my personal information.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX. 
LAST NAME : XXXX. 
DOB : XXXX  NSS : XXXX SECURITY FREEZE
Product: Debt collection

In XXXX, XXXX, I registered for a Citibank credit card to pay for the item I purchased at Home Depot. They asked for some basic information and my driver 's license then told me it was all set. 

I went to Home Depot 1 week after my purchase as I didnt receive any letters or the credit card. They told me to stay tuned or ask the bank directly. When I called CitiBank, they were not able to locate my account number/balance according to my SSN. 

We moved out from the old address since XX/XX/XXXX. When I was registering for the credit card, they didnt double check my current address but assumed to use my billing address. I am aware of my responsibility to update my information, but the bank was not able to find my account due to the wrong SSN they had. Home Depot also had my email address, but I didnt get any notifications from Home Depot or CitiBank After collecting all the letters from my old address, I called Citibank again regarding how to pay the balance. They froze my account and put it under debt collection. They corrected all of information after my call and kept adding interests to my account. I asked them whether they could waive the interests since it was not my problem. The staff told me to fax a letter explaining the situation to the dispute department ( the only way to communicate with the department ). It took more than a week to hear back from the department. Meanwhile, the interests were still adding up. They mailed me a letter back ( as attached ) asking me to call the number below.

I called the bank once again the following day. The staff answering my call told me that he was not able to see the detailed information, nor my fax history. After explaining my situation ( the letter I got from the dispute department ), he said he's not able to do anything. I need to fax the dispute department again, asking them what else they need from me. Ask them if they have more questions. Faxing back and forth seems a very inefficient way to deal with the problem, and none of the staff had a definite answer. 

To resolve the problem, Id appreciate help to waive the unreasonable interests. Im happy to pay for the initial amount. Home Depot/Citi Bank should improve their service as : Home Depot had all of my information wrong ( address, SSN, etc. ). I was not deliberately avoiding to pay the balance, but was not able to ( they had my information wrong at first, by the time I picked up the letters, my account was frozen ) Citibank was resolving the problem in an extremely inefficient way and made it hard to communicate ( the case was not assigned to any staff. Staff answering the call was unprofessional. Departments were kicking the ball. Dispute Department sent a letter back asking me to call the debt collection department. When I called, the staff told me to ONLY fax the dispute department again )
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX EQUIFIAX AND XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Credit card

My Barclays Bank stolen credit card number was used for an online order on XX/XX/year>, at a XXXX XXXX XXXX XXXX store in XXXX, New Hampshire in the amount of {$930.00}. I had ordered a washer one year before at XXXXXXXX XXXX in XXXX New Hampshire and turned-on email notifications, because of this I received the following notifications. 
On XX/XX/XXXX I received an email about the {$930.00} order placed at XXXXXXXX XXXX in XXXX, NH at XXXX, then another XXXX the order was picked up. Unfortunately I did not read the emails until about XXXX, but immediately called Barclays Bank to report my credit card number was stolen and was used at XXXX XXXX in XXXX , NH . Barclays Bank charge was removed at this time. 
I received XXXX letters from Barclays Bank, one dated XXXX stating my account was closed for the stolen card number. Then a second letter dated XXXX stating the I was not responsible for the fraudulent activity, although it was also stated depending on the information the merchant provided, the charge could be reversed back on my account and I would be given written explanation why with any relevant documentation. 
I received Barclays Bank statement on XX/XX/year> for the period ending XX/XX/year>. I went to my Barclays account online and found the disputed of charge {$930.00} dated XX/XX/year> was placed back on my account. I called Barclays Bank and was told XXXX informed Barclays Bank a person in the name of " XXXX XXXX  '' ( Not sure if I spelled the last name correctly ) used a government issued ID to pickup the order and had the {$930.00} placed back on my Barclays Bank account. 
I have XXXX complaints about what transpired : First Barclays Bank failure to properly inform me ( as stated in the XXXX letter ) about the merchant disputing the fraudulent charge and adding the charge back on my account without notice or documentation. 
Second, XXXXXXXX XXXX  XXXX XXXX having the charge placed back on my account. They stated a different person ( XXXX XXXX ) than the credit card owner ( Me ) pick up the merchandise. I called XXXX XXXX XXXX XXXX  store in XXXX, NH on XX/XX/year> at XXXX and spoke to assistance manager XXXX XXXX He stated XXXXXXXX XXXX allows 3rd parties pickup online orders with ID. Obviously if a person or persons have the knowledge to steal credit card numbers they would also be capable using a fake ID. XXXXXXXX XXXX poor security policies should not be causing me time and distress. 
I called Barclays Bank fraud line XX/XX/year> to dispute the charge again and asked the representative to send the documentation XXXXXXXX XXXX XXXX XXXX used to dispute the charge reversal and a copy of XXXX XXXX the driver 's license used to back the merchandise. 
Thank you
Product: Credit reporting

Received adverse action letter from other financial institution, and contacted credit reporting bureau Transunion regarding believed inaccurate information on the report. 
Initiated a dispute regarding the information. I received an Investigations Results letter from XXXX XXXX of this year. The letter states " If there has been a change to your credit history resulting from our investigation, or if you add a consumer statement, you may request that TransUnion send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose. '' As there had been a change in the form of updated information. As well as that I have indeed added a consumer statement, I felt that this section of the letter applied to me. 
On XXXX XXXX, I contacted TransUnion 's Customer Contact Center regarding making a request or request ( s ) as outlined by the letter from XXXX XXXX. 
However I was informed throughout the call, which finally was escalated to a supervisor XXXX XXXX, that TransUnion is unable to send an updated report to those who received my report within the last two years for employment purposes, or within the last six months for any other purpose. 
Although there is vagueness in if there must be two separate requests, one for sending the updated report to those who received the old report for employment purposes, and one for those who received the old report for any other purpose. Overall my concern is more as follows : I am not quite sure if it is that the letter TransUnion sent me is some sort of form or template letter which is not longer in line with their current practices regarding sending of updated reports ; or if TransUnion 's Customer Care Center is simply unaware of how to supply such requests to TransUnion. Unfortunately the letter itself does not specify if these requests are to be mailed somewhere, or submitted by phone through the customer contact center, or perhaps just hoped for.
Product: Debt collection

I have thoroughly reviewed the relevant regulations and laws, and it is clear that Jefferson Capital Systems LLC has failed to comply with mandatory requirements. According to 12 CFR 1006.34 ( b ) ( 5 ), Jefferson Capital Systems LLC is required to provide validation information for the alleged debt. To date, they have not provided any such validation, yet they have placed a collection on my consumer report. This action is a direct violation of my rights as a consumer. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the account before any negative information is reported. I have not been given any opportunity to dispute this account, which is another clear violation of the regulations designed to protect consumers. The collection agency is also in violation of my consumer rights by employing false, misleading, misrepresentative, and deceptive means. They have no authority to furnish any account to a consumer reporting agency without providing all required disclosures by law, specifically outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Given these violations, I respectfully request that this inaccurate and unauthorized collection account be immediately removed from my credit report. Please conduct a thorough investigation and provide me with written confirmation of the results. Jefferson Capital Systems LLC, if in fact you believed you gave me proper notification, then please send the certified reciepts with my name and/or signatures on there. Thank you for your prompt attention to this matter. I look forward to your resolution.

I'm unaware of this debt, I didn't have an opportunity to dispute this information.. if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it.