23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXXXXXX  and equifax XXXX XXXX XXXX XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Debt collection

I started receiving phone calls from a number that is marked as being a " spam '' caller on XX/XX/XXXX. The number leaves a voicemail saying it is from the " billing department '' but never leaves a company name or call back number. Appears like a scam. No letter was received from this company to collect a debt, I did not even know the name of the company until I checked my credit report and saw that they placed a collection account on my credit report. The phone number I was called from was XXXX they called me on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

Absolutely NO attempt to send me a letter informing me of the debt, my right to verify the debt, or any debt verification information was sent to me from this company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, and Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Me And my Husband Mr. XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report
Product: Credit reporting or other personal consumer reports

XXXX has inaccurate information on my credit report. XXXX  acct. # XXXX shows the Number of months ( terms ) as Monthly. XXXX also has this account listed inaccurately ; with the terms listed as XXXX ( due every XXXX weeks ). Please delete this inaccurate account. XXXX has XXXX acct. # XXXX showing payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a 1099 for this account. Delete this account. Experian has XXXX XXXX XXXX  XXXX account XXXX XXXX date of last activity as XX/XX/XXXX. XXXX has this same account 's date of last activity as XX/XX/XXXX ; this account is reporting inaccurately, delete this account. XXXX has XXXX XXXX  XXXX account # XXXX  showing date of last activity as XX/XX/XXXX and payment status as charged-off ( profit and loss write-off ). A charge-off that has been written off is considered income and should not be on my credit report. I was never sent a XXXX for this account. Delete this account. XXXX XXXX  account # XXXX shows a different date of last activity for XXXX - XX/XX/XXXX, for Experian - XX/XX/XXXX, and for XXXX - XX/XX/XXXX. Delete this inaccurate account. XXXX, Experian, and XXXX all show inaccurate payment history on XXXX XXXX XXXX account # XXXX, according to U.S. Code 1666b ( a ) ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please update this account to pays as agreed, never late.

Delete the following credit inquires as there is no account attached to them, credit was not extended due to adverse action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit card or prepaid card

My promotional interest rate on this is not correct. It should be 1.99 % it is not. I only recently learned of this while investigating my other card.
Product: Debt collection

In XX/XX/XXXX, my ex girlfriend of 4 years and I ended our relationship. However she had access to all of my sensitive personal information. From XX/XX/XXXX to XX/XX/XXXX, there were several failed attempts at using this information to create loan or credit accounts. However it seems like there was one account for {$1000.00} that managed to slip through the cracks. I was notified about this from my XXXX alert center and have been working with them to do everything in my power to resolve this. 

I have attached an admission of guilt after she was caught destroying my home computer by a mutual friend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that I didnt authorize, and its hurting my ability to obtain credit. Below Ive listed all the inquiries I want deleted immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual data XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please delete immediately from trans union. And items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Factual data XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized these hard inquiries please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for hardship/forbearance. I got XXXX and was sick for two weeks. I was able to get the paperwork to XXXX XXXX XXXX. I do not know why they had not processed it until XX/XX/XXXX. Included ( Exhibit JJ ). Credit Report Included ( Exhibit 111 ). On Monday, XX/XX/XXXX, at XXXX XXXX. I received an e-mail from XXXX, XXXX ( Exhibit LL ) requesting information from XX/XX/XXXX. I provided all the hardship documents to them three times back in XXXX and the letter indicates I provided the documents ( Exhibit JJ ). All the mistakes XXXX XXXX XXXX  has made have caused me to be in foreclosure. I have done nothing wrong. Please see documents?
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't. 
Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Experian consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This process violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX and Experian comply with federal law and provides consumers with the necessary proof of investigation. The accounts that were disputed are the following : XXXX XXXX XXXX XXXX late payment XX/XX/year>, XXXX XXXXXXXX XXXX XXXX late Payment XX/XX/year>, XXXXXXXX XXXX  Charge off in the amount of {$9100.00}, XXXX XXXX in the amount of {$380.00}.
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$16000.00}. It was paid to XXXX XXXX XXXX XXXX on XX/XX/18 and XX/XX/18. In total they charged me {$16000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXr Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX Experian XXXX XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. Experian and XXXX show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Bank account or service

Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive.
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. 

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  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: Debt collection

XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!
Product: Credit reporting

I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of several consumer protection laws ...
Product: Credit card

I REQUESTED THAT TRUIST BANK BALANCE XFER FUNDS TO A XXXX XXXX XXXX  CREDIT CARD ON XXXX USING A LIMITED OFFER ZERO % TRANSFER. ON XXXX XXXX TRUIST CALLED AT XXXX XXXX  FROM THE FRAUD DEPT. I CALLED BACK ON XXXX TO SPEAK WITH SOMEONE ABOUT THE CALL SINCE THE BALANCE XFER WAS PROCESSED WITH A REPRESENTATIVE ON THE PHONE ON XXXX. ALBEIT A XXXX CALL CENTER AGENT!!! AS OF TODAY XXXX, TRUIST INFORMS ME THEY HAVE NOT PROCESSED A BALANCE TRANSFER AS IT WAS BLOCKED BY FRAUD DEPT BECAUSE THEY COULD NOT VERIFY SOMETHING??? CAN'T TELL ME WHAT THE PROBLEM IS IN CLEAR ENGLISH. THIS IS A THINLY VEILED ATTEMPT TO STALL AND/OR BLOCK A BALANCE XFER ON A ZERO PERCENT OFFER. THIS BANK HAS A LACK OF CONTROLS AND APPARENTLY LITTLE OVERSIGHT OF XXXX CALL CENTER AND HOW A BALANCE TRANSFER SHOULD BE PROCESSED. NOW A SUPERVISOR IN THE USA INFORMS ME THAT SHE IS NOT SURE IF IT WAS PROCESSED AND I SHOULD WAIT 30 DAYS. HUH??? WHAT???? THIS BANK HAS A LACK OF CONTROLS IN PLACE TO PROCESS BALANCE XFERS AND IS COMPLETELY UNWILLING AND UNABLE TO HELP THEIR CUSTOMERS. PLEASE HELP THIS BANK BY REVIEWING THEIR POLICY AND PROCEDURES AND CONTROLS ON BALANCE TRANSFERS AS THEY CLEARLY ARE CONFUSED AND UNABLE TO EXPLAIN. I RECOMMEND YOU IMMEDIATELY SET UP A COMPLETE IN HOUSE REVIEW OF THE CREDIT CARD DEPT AT THIS BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we have a paid off account with debt collector CAINE & WEINER. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.
Product: Credit card or prepaid card

XXXX XXXX XXXX Earn XXXX Bonus Points World OF XXXX XXXX Signature Credit Card APPLY NOWButton to apply for World OF XXXX XXXX Signature Credit Card. 
*Offer Details | Pricing & Terms {$95.00} annual feepricing and terms reference link Earn XXXX Bonus Points after you spend {$2000.00} on purchases within the first 3 months of account opening.offer details reference link* Plus, get a {$150.00} Statement Credit after your first purchase with the World of XXXX XXXX XXXX XXXX XXXX XXXX Price for stay and statement credit may post on separate statements. 




This Chase XXXX credit card is a likely scam. The card as promoted, above, is not available, but a XXXX point offer spending {$3000.00} with no statement credit is available. IT IS A CLASSIC BAIT AND SWITCH PLOY. And that is being kind. 

Both Chase branch personnel and only associates could not offer the XXXX promoted card, but offered a card with lesser value.
Product: Checking or savings account

We are a small business, who applied for a SBA/PPP Loan last year via Citibank. After much back and forth, we were approved. however the process allowed a lot to be desired. As such, we decided to use a different lender for this years SBA/PPP loan. 

Attempting to fill out forms for the new round of SBA/PPP loan requires for us to submit our SBA Loan Application number.

Contacting our account manager, or branch directory, and at least 5 other people in Citibank and their branch we usually do business at in XXXX, NY. Noone is able to give us the SBA Loan application number, this is just a 10 digit number and is suppose to be available to us. 

They have actively refused to supply this loan number to us, and in a fashion to lock us into citibank only services. 

Multiple calls, and emails have been recorded requesting this information. 
The lastest round of email sent to citibank requesting this information has been ignored as usual. 
XX/XX/2021 XXXX, sent to XXXX, XXXX XX/XX/2021 XXXX sent to XXXX, XXXX, XXXX, XXXX. 
also has gone ignored. 

It is illegal to now give us the SBA Loan application number, and they are actively sabotaging our right to apply for a SBA/PPP loan with a different lender. 

I required your intervention as soon as possible. We literally just require a 10 digit number from them. We went as far to logging into their citibanks own forgiveness website, and we were greeted with a masked number. SBA / etrans number is : XXXX. In essence its been 2 weeks fighting citibank to give us this 10 digit number.
Product: Mortgage

My home is scheduled for foreclosure on XXXX XXXX, 2016, tomorrow, so not expecting that anything at this late date can be done, but it would be nice. I was told the only way to stop the foreclosure was to pay an amount to reinstate the mortgage. The problem with this is as of today, I have not been given the exact amount to reinstate and this has gone on for over a week! Citimotgage has not been able to give me the exact amount nor has the attorney handling the foreclosure, XXXX XXXX XXXX. How am I to get the money together from my XXXX and a relative to reinstate my mortgage and stop the foreclosure if you ca n't quote me the amount due! How is that fair and how am I being held accountable for this illusive amount. They have had me calling back and forth between the XXXX, wasting time and precious days needed to get funds from XXXX, papers have to be signed, a letter from CitiMortgage is needed to process the request, which takes a couple of days, needless to say I am highly upset!! They have on purpose, in my opinion, allowed this to drag out, so I could not do anything or get anything accomplished in time. I literally have some of the funds just sitting in my XXXX, waiting to be accessed, but I was n't allowed to move forward, because of the run around and the refusal by XXXX to write a letter stating they would be willing to take the amount I have, a partial payment, along with money from a relative. I was not allowed to speak to a home specialist, about my modification, because it was too close to the foreclosure date. not sure what can be done, but I think it is important that you know and others how I have been treated. My problems with CitiMortgage have been on going, previous case # XXXX, I have tried to get them to lower my payments so I could actually make payments on time, I feel they have price gauged me!! My payments have consistently gone up from XXXX, to XXXX, now it is at XXXX, I tried to include them in a bankruptcy case, but they wanted the XXXX monthly payment, plus another {$400.00} deducted from my paycheck, this is what I have been dealing with! I am at my wits end and it maybe time to move on, although I am literally being push out. My son is at the local high school, he is a junior I would at least like to be allowed to stay until the end of the school year. Please, help if you can?
Product: Credit card

I kindly ask that if you could please do a courtesy adjustment of my previous XXXX sign up offer to your recent XXXX XXXX points promotion. I recently contacted you and was offered XXXX courtesy adjustment, and I truly thank you for that. But at the same time I had XXXX friends who had the same situation and simply called American Express and received XXXX XXXX points match in both instances. I simply ask that considering they were able to receive the higher courtesy match, I kindly request a match to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX