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

I have been an account holder for the account CitiBank closed for many years. I am a diligent user of consumer debt and I have not used the account for over 2 years. Citibank, without notice or opportunity address the usage of the account, closed the account in XX/XX/2018. I had a high credit limit and the closure of the account negatively effects my credit score as I am attempting to purchase a home and any reduction of my score could effect the mortgage offer rate and will potentially cost me thousands of dollars over time. they offered to reinstate my account but would have to run a new full credit report which will also negatively affect my score and have the same negative impact. I find entirely adverse to a customer relationship for the vendor to close an account without any notice at all ; they could have simply sent an email or a letter. As we know the vendor is obligated to send a yearly letter on their privacy policy, how is it that they can not simply advise the customer of the pending account closure and to suggest action if the customer does not wish for it to happen. the vendor states that in their terms and conditions it states that they can close the account at anytime for any reason but I initiated this account many years ago and well before the creation of the CFPB. what customer, if any keeps their original terms & conditions to reference an arbitrary condition? I believe if a creditor is going to make and adverse closure to an account, they must inform the customer prior to the closure. I would like to see a resolution and/or for creditors to be expressly advised about making a prior notice prior to closure. Thank you for all that your department does on a daily basis.
Product: Debt collection

I XX/XX/ I received a call from Macy 's about a missing payment. I have one Macy 's card that I use and it is with AMEX. I used the card in XXXX in the Macy 's store in XXXX, XXXX, and purchased two items. I paid {$50.00} toward this bill on XXXX The bill was due on XX/XX/XXXX I paid over the telephone and was given a confirmation number of # XXXX so I was confused as to why Macy 's was calling me. When I checked the automated account information, the message stated that my next payment was not due until XX/XX/XXXX While I was on the telephone I decided to make the XX/XX/XXXX  payment early. The minimum payment due was {$29.00}, so I made that payment and received a confirmation # of XXXX. After hanging up the telephone, someone from Macy 's called again. I was told they wanted payment for my Macy 's store card. I have not had a store card in 7 or 8 years. In the meantime, the representative said she was taking those two payments off my Macy 's Amex card and applying them to my store card. I told her not to do that because I would incur a late payment with Amex, I would be charged a late fee and it would impact my credit score. She told me she was taking the payment and needed to pay them {$89.00}. The new bill came she took all of those payments and I have a late fee. This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is abusing my credit report. 

I initially had 2 names and disputed the XXXX XXXX. 

Experian deleted XXXX XXXX and added 4 names in different formats. Which was not there initially. 

They also added the last 4 numbers of my social. Which was not there initially.
Product: Debt collection

I have received numerous attached court order documents, with my private and personal information, pasted on a door that does not belong to me. This company called Calvary SPV I, LLC has harassed my friends at their home, claiming that it is my residence, even after speaking to the young lady that came to my friends house, of which I told her that I do not live there and that is not my residence. The residence I am speaking of is XXXX XXXX XXXX, XXXX, XXXX XXXX. This residence is my friends place. I relocated abroad since XXXX and I clearly told the woman that I do not live in the US any longer. 
However, my complaint is as follows : 1. Harassment by phone 2. Harassment of my friends by showing up to their home numerous times 3. Harassment by documentation and leaving court orders at my friends residence of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 4. Sending me bills of a contract I do not have, nor bill with Calvary SPV I, LLC. 
I do not have any contract with this company. But I will like to dispute and make a claim regarding the following : 1. According to 15-USC-1681, CALVARY SPV I, LLC, had NO permission to retrieve my information nor furnish it to anyone, especially my friends house, where CALVARY Plastered a court document exposing ALL my information to friends to an address that isnt mine. 
2. Calvary SPV I LLC ( AKA : This Creditor ) has not provided any Debt Validation Claim according to 15 USC 1692 G 3. This Creditor has not provided a full detailed list of the Payment History on the account that they are claiming that I have with them 4. I want to see the original signature, which shows an agreement between myself and CALVARY SPV I, LLC, showing a contract between myself and this creditor 5. Has there been any insurance claim found on this debt? 
6. I would like to see the chain of title that the creditor has to collect on this debt? 
If they can not provide the above, then they are in violation and out of conduct.
Product: Checking or savings account

I have a linked external account set-up to make transfers in or out from the online savings account with Marcus/GoldmanSachs. I initiated an external transfer to a linked account and the company is refusing to make the transfer.
Product: Debt collection

I believe I have been a victim of identity theft. I have never transacted business with this company. I have a fraudulent account reported on my personal credit report.
Product: Debt collection

Waypoint purchase XXXX XXXX Account. I was unable to us the services due to many repeating complications with installment. Cable keep going out days after service was fixed. This went on consecutively for over a couple months. I have had more than 3 days of on a bi weekly basis. I cancelled the account at XXXX main office but they keep charging me for several months when I no longer had they equipment. Please pull phone records if u have to.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Late Payments Reported by Bridgecrest ( formerly XXXX ) To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate reporting of late payments on my credit reports by Bridgecrest ( formerly XXXX ), which has been negatively impacting my credit scores across XXXX, XXXX, and XXXX. My name is XXXX XXXX, and I have been a responsible customer of Bridgecrest, yet the negative information regarding late payments is affecting my livelihood, financial stability, and ability to make important decisions regarding housing, employment, and personal credit. 

These late payments, as reported, are not an accurate reflection of my payment history. I believe they are either incorrectly reported or a result of errors on the part of Bridgecrest. The repercussions of this inaccurate reporting have caused significant financial strain, as my credit score has been lowered and my ability to access credit has been severely hindered. This situation is causing undue hardship in various aspects of my life, including increased interest rates on loans and the potential denial of critical financial products or services. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit reports, and if the information can not be verified, it must be removed. Specifically, Section 609 of the FCRA provides me the right to request information on the sources of the reported late payments, and if this information is not verifiable, it must be corrected or deleted. Additionally, Section 605 of the FCRA outlines that negative information, such as late payments, must not remain on my credit report longer than seven years.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) ensures that credit reporting must be accurate and non-discriminatory, and that any negative marks that may have been improperly reported or inaccurately recorded must be rectified. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in the removal of the inaccurate late payment reports from my credit history. The continued reporting of these late payments is damaging my ability to maintain my financial wellbeing, and it is critical that these inaccuracies be addressed promptly to restore fairness to my credit profile. 

I am requesting that the late payments reported by Bridgecrest ( formerly XXXX ) be reviewed and removed from my credit reports, in compliance with the FCRA and other applicable laws. I also request written confirmation of the investigation and the steps being taken to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX  My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital one bank failed to update credit from payroll from Direct deposit from XX/XX/year>
Product: Credit reporting

I originally disputed a medical bill from XXXX that clearly did not belong to me. I have never heard of the hospital XXXX XXXX Hospital ( which is what shows as the original debt for {$160.00} ), and its is in a totally different state than I reside in. I have never been to nor have I received services from them I have never even traveled to the city that its located in. The entry was disputed and removed because it did not belong to me and could not be validated, on XX/XX/XXXX after checking my transunion credit report its appears as if it was illegally reinserted. I would like this removed immediately and not reported again to my transunion or and other credit bureau. This absolutely does not belong to me. The impact that this {$160.00} medical bill has had on my credit is detrimental and needs to be removed immediately.
Product: Debt collection

I have send a letter for verification and it been 30 days no respond.
Product: Student loan

On XX/XX/XXXX, I received a letter from Mohela with inaccurate information regarding certified dates of employment. Mohela claimed that the employment dates are incorrect but they are correct. Also, they requested that I complete an enclosed form but there was no form enclosed in the letter that was sent. 

I called Mohela on XX/XX/XXXX several times. I also tried several options but to no avail. The number doesn't prompt the caller to speak to a representative.
Product: Checking or savings account

As of XX/XX/2019 Citibank charged me a maintenance fee of $ XXXX.My account at the time had {$0.00} available.I was then charged a {$34.00} overdraft fee on XX/XX/XXXX. 
How can a bank maintenance fee authorized by Citibank be the cause of my account to go into the negative and then be charged an overdraft fee the following day for insufficient funds? 
The Citibank customer service reps agreed with me but then stated there is nothing they can do about it. 
If I authorize a transaction that exceeds my balance and the bank pays the transaction on my behalf would justify the cause of an overdraft fee.This just doesnt seem right at all. Please help.
Product: Checking or savings account

Good morning, XXXX  Called Regions twice. 
Simple- they owe a {$400.00} bonus as promised. 
Unfortunately still waiting although 1. All requirements met 2. Promotion code provided twice.

3. Several Months bonus overdue. 
Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized accounts that I did not open. These fraudulent accounts are negatively affecting my creditworthiness. I kindly request an immediate investigation and the removal of these accounts from my report. 

Please let me know if you require any additional information to expedite this process. I appreciate your prompt attention to this matter.
Product: Debt collection

I filed a prior complaint, XXXX. My partner XXXX XXXX had a judgement against her. ON XX/XX/XXXX I was informed of a bank levy against my separate property. After my last complaint Midlanding Funding had promised to return my funds in writing, I called them 2 weeks ago and they verbally confirmed that. Today, XX/XX/25 The XXXX county Sheriff 's who issued the levy informed me they have received no directive from Midland to release the funds I contacted Midland and they claimed due to state law and the CFPB investigation they can not legally return my money.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account and will not help me With getting it back up and going i am not sure if this is a Mistake as I assume it has to be. I have not been able to get help From them for months And I feel like they are not doing there job my linked PayPal email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 
UNDER XXXX5 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT. 
YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G.

YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXX 
LET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had went to review my credit report and it shows something like a credit card for Sam 's club so I called their number they're saying nothing like that is on their file and I had to file a complaint with the XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, Avant # 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 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 customer service at Chase Auto about a inquiry on XX/XX/2017 And was informed they were unable to provide any information or present a application for credit allowing my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, Equifax and XXXX  refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information.

This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX   inaccurately changed the date of first delinquency on this account.

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX  inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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.
Product: Debt collection

XXXXy ( medical provider ) was over paid in full. Medical provider never contacted attorney who had provided medical provider with contact information. Instead, provider sold medical debt to Wakefield & Associates who endlessly called, texted and harassed. Deplorable action by XXXX and Wakefield has now jeoparized credit score, house closing, etc..
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to COMENITYCAPITAL for taking no action on correcting and removing the fraudulent account that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.