23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Urgent Complaint - Unresolved Debt Affecting Credit Despite Statute of Limitations Expiry Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an urgent matter that has been significantly affecting my credit history for far too long. A longstanding debt associated with my account at US Bank has remained on my credit report despite the legal statute of limitations expiring in 2017. Moreover, I have not received any notice or communication regarding this debt during the years leading up to its continued reporting, which is causing severe damage to my creditworthiness and overall financial well-being. 

As a responsible consumer, I have always strived to fulfill my financial obligations and manage my finances prudently. However, unforeseen hardships during the time of this debt 's origination hindered my ability to address it promptly. I had hoped that the statute of limitations would provide relief and allow me to rebuild my credit, but regrettably, this has not been the case. 

In accordance with the applicable laws and regulations, debts are meant to be removed from consumers ' credit reports after the statute of limitations has elapsed. It is both concerning and distressing that this debt remains on my credit report, adversely affecting my creditworthiness well beyond the legally mandated period. 

Adding to my distress is the fact that I have not received any notice or communication from US Bank regarding the existence of this debt in recent years. Had I been aware of this debt 's presence, I would have taken the necessary steps to address it diligently. However, the lack of any such notice has left me blindsided and struggling with the consequences of its lingering appearance on my credit report. 

I respectfully request that the Consumer Financial Protection Bureau investigates this matter promptly and ensures that US Bank complies with the appropriate regulations governing credit reporting and debt expiration. I firmly believe that this debt should have been removed from my credit report in 2017, and its continued presence is both unjust and damaging to my financial standing. 

I am more than willing to cooperate fully with any inquiries or actions taken by the Bureau to resolve this issue. Enclosed within this letter, you will find relevant documentation substantiating the date of this debt 's origination and my efforts to address it within the applicable statute of limitations. 

I sincerely hope that the Consumer Financial Protection Bureau can facilitate a fair and expeditious resolution to this dispute, allowing me the opportunity to rebuild my creditworthiness and secure a stable financial future. Your intervention and support in this matter are of utmost importance, and I eagerly await a positive resolution. 

Thank you for your attention to this critical matter, and I appreciate your commitment to safeguarding consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX i notice an item on my report, that did not belong to me. on several occasions i have tried to submit disputes, written letter and shown proof this in not my information. I have attempted to contact debt collector as information is not mines, letting them know someone has stolen my identity, file all police report and submitted with the FTC. all 3 credit bureaus have been asked to remove information regarding Jefferson Capital of {$1200.00} and XXXX XXXX XXXX in the amount of {$4200.00}. As, according to the FCRA section 605B it is illegal to report information without my permission and it need to be remove as its not mine information.
Product: Money transfer, virtual currency, or money service

Sent money to XXXX via Xoom by XXXX, before the receiver even knew about the transaction I was notified that the money was picked up by receiver. I contacted xoom about it, and they told me they were going to contact their partner. After a few hours the found out that the transfer was picked up by someone other than the receiver. After they found this out, they could not give me my money back, they are saying that they need to run an investigation. They already know the money was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Debt collection

MY WALLET WAS STOLEN IN 2018. FRAUDULENT ACCOUNTS WERE OPEN IN MY NAME. THEY HAVE SINCE THEN BEEN CLEARED UP EXCEPT FOR XXXX XXXX. 

ALL THREE BUREAUS STOPPED REPORTING THE FRAUDULENT INFORMATION, NOW TRANSUNION HAS DECIDED TO REPORT THE FRAUDULENT XXXX FEDERAL REVOLVING ACCOUNT. 

THEY ARE REPORTING FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED IMMEADIATELY, PERMANENTLY.
Product: Credit card or prepaid card

Hello, On XX/XX/2021 I went to make a payment on my Citi bank account. While I intended to make the minimum payment, I made an error and clicked on pay the balance in full, which was over {$2000.00}. When I realized this, I called Citi. The women I spoke with advised me that the payment was already processing and that Citi couldn't stop it. She recommended I put a stop payment on from my bank, which I did do. I assumed the problem was fixed. Again, I fully acknowledge, this was my error. 

Citi then tried to charge my account a second time. When I called them back, they told me that the payment would try to process 3 times, which I was NOT told the first time I called. I was told there was nothing they could do and I just had to wait for the process to finish before anything, including making a correct payment could be done. Again, I had my bank stop those payments. 

I understand submitting the payment three times is allowed under regulation. I understand, under regulation, Citi had every right to do this, but it's a bit mind-blowing that they have no control over their own systems to stop this. Or, perhaps, they just weren't willing. 

Finally, the website updated and said I owed a minimum payment of {$29.00} by XX/XX/2021. This was less than the original minimum payment of {$61.00} originally due, but this is what I was told to wait for. I paid that amount on XX/XX/2021. 

Now just today, I get an email saying my account is TWO payments past due and I owe over {$200.00}. 

I used their live chat to question this. I was told that the payment of {$29.00} was not enough and that this was because the statement went out before the payment returned XXXX I've attached a screen shot of this explanation ). Yet, Citi 's customer service told me prior I couldn't do anything until they tried to process the payment 3 times. 

How was I supposed to know this? How was I supposed to know that the amount Citi Bank was asking for " was not enough? '' I paid what my account, on their own website told me to pay. 

I am also told on the chat today that my account is 39 days past due. I strongly, strongly dispute this. Citi 's website was wrong, yet I paid what it told me to pay. A payment was made. 

I asked if this had been reported to the credit bureaus and I did not get a straight answer. I was told it could be reported at 30 days. I still have no idea if it was reported. 

There was no resolution offered to me. Citi 's customer service through this has been completely unhelpful. 

How can Citi put something on their website and then just decide it was wrong? Conveniently, they are making a late fee off it. 

While I again acknowledge the initial error was entirely mine, now I can't help but feel that Citi 's systems are set up to take advantage of the customer. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Trans Union/XXXX/XXXX credit report immediately. See Attached document as documentation
Product: Debt collection

This company has been bringing down my credit score making it difficult for me to live my life an handle certain issues relating to financial situations. This loan they are attacking me for was a result of identity theft or something of the sort due to me never opening this account or loan.
Product: Debt collection

Repeated calls from different numbers and leaving voice mails. Also had details from my current credit report. I did not authorize a credit search.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX  XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " Powerhouse. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

here are hard inquiries on my credit report that I do not recognize.
Product: Money transfer, virtual currency, or money service

Paypal charged me transaction fee. In XXXX separate transactions today ( Wednesday, XX/XX/2022 ), one for {$20.00} and another for {$120.00}, there are fees charged. but in the PayPal website, the fee is waived if sent from bank account and that's what I did. Apparently I received the fees because I had selected the transaction as a Goods and Services. This is a new feature. Awhile back, there was no Goods and Services. The main problem is the website used Goods and Services selection as the default and there's no clear instruction to the consumer that they need to change it to Send as a Friend in order to not get charged with a fee. I shouldn't have been charged with the fees because the transactions went to a XXXX XXXX and from a XXXX XXXX not to and from another country. Per the website, fee is waived for a bank to bank transaction within the US. The website user interface is clearly using the default in order to intentionally charge consumers ( the user ) a transaction fee. This is not user-friendly for consumers. The website should default to None and mark the box as red in order for the consumer to be reminded to select the proper transaction type like Send to a Friend, especially if the user is trying to avoid paying any fees, before the user can continue with the transaction ( XXXX ). PayPal rep on the phone also said she was going to email me in order to get a refund for the fees. I have never received her email, so that's not a good customer service.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX Bank of America was informed that escrowed wind and hail was due by way of and expectation notice from XXXX XXXX 
Between XX/XX/XXXX and XX/XX/XXXX BOA and XXXX have multiple conversations but no payment is scheduled. 
XX/XX/XXXX XXXX insurance sends BOA a bill for Wind And Hail insurance. 
XX/XX/XXXX BOA tells XXXX they are scheduling a payment XX/XX/XXXX XXXX received a message that BOA was again scheduling a payment XX/XX/XXXX BOA snail mails insurance payment to XXXX XXXX cancels policy XX/XX/XXXX XXXX issues a request to bind XX/XX/XXXX XXXX received payment from BOA No insurance in place for the last month of hurricane season. 
BOA requires I pay forced place insurance thru them XX/XX/XXXX for the month of lapsed coverage time XXXX BOA on XX/XX/XXXX issues a policy back dating it thru XXXX XXXX XXXX I have talked to BOA on multiple occasions and they will not accept any responsibility for the miscommunication and lack of timely payment. 
This had possible catastrophic consequences if a hurricane had hit like XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and notice that I had one single late payment on an account that I was NEVER late for. Consumer Reporting Agencies have assumed a vital role and a have a responsibility to report Consumer information to best of their ability with XXXX XXXX! I have NEVER been late for payments on this account ( Account Name - XXXX XXXX  ) ( Account number - XXXX  ) please thoroughly investigate and provide PROOF with statements of payments being late. If proof CAN NOT be provided I DEMAND this payment be updated to on time as it should be, as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

You need to remove the late payments please. I have. Paid on Time I want them removed in 24 hours.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party being asked to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by the company or the company representative, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a creditor on my credit report that was paid. I submitted a BILL and then the RECEIPT to the claim. It not only took over 30 days I contacted them via email and phone calls pointing out they exceeded the 30 days + since I provided the necessary information there was NO reason to not close this case. While I was forced to download - or upload additional information my personal information was breached! I want this paid account removed from my credit file. Exquifax allowed hackers to get my personal information while they delayed resolving my issue with a paid receipt! NONE of this should have happened. Since this I have had to switch phone carriers - close bank account- email is constantly attempted hacking - someone is after my GOOD credit - all because of exquifax - this issue was removed by XXXX once I provided information but not with exquifax, they delayed this beyond 90 + days! Then decided with creditor - during which they allowed my credit file to be breached! The radiologist payment - thru insurance went thru the XXXX XXXX AND right after they say I owe money XXXX XXXX AFTER I paid what the radiologist said I owed sent me a refund of almost {$500.00}!
Product: Mortgage

Mortgage company, PRMG, is refusing to update the account information from showing a late payment to showing account is current. Six payments due, six payments received. Reporting to Credit Bureaus as late, which it is not.
Product: Debt collection

This company issued a alert with XXXX credit bureau about a fraudulent account opened in my name using my stolen identity my information was leaked due to XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX and XXXX  XXXX  this accountbwas fraudulently opened in my name please remove this account immediately I've uploaded police report ftc report and cfbp report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.