23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Credit card or prepaid card

Citibank Credit Cards. They have raised my interest rate to an extremely high rate. I called and they will not lower. It is currently 20.24 %. At this rate I will never get it paid down. It is the highest interest card I have. Can you help me?
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Transunion for FDCPA Violations Complaint Details : I am filing this formal complaint against Transunion for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], XXXX or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : XXXX XXXX XXXX XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirms the consumers right to request cessation of communication. XXXX failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 
Failure to respect my rights under the FDCPA. 
Harassment through unauthorized collection attempts. 
Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 
Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 
Financial harm, as their actions may have adversely affected my credit report or score. 
Desired Resolution To resolve this matter, I am requesting the following : Immediate Cease and Desist Compliance : XXXX must formally confirm in writing that they have ceased all collection activities and communication regarding the alleged debt. 
Account Correction : If any negative credit reporting or marks related to this issue exist, they must be corrected or removed. 
XXXX XXXX : A formal written acknowledgment of their FDCPA violation and a commitment to avoid similar conduct in the future. 
Financial Compensation : Due to the distress, harassment, and financial harm caused by their actions, I request compensation in the amount of {$5000.00} to cover emotional distress, reputational damage, and any related expenses incurred while handling this matter. 
Failure to meet these requests will leave me with no choice but to pursue further legal action to protect my rights. 

I look forward to the CFPBs investigation into this matter and appreciate your prompt attention to my complaint. 

Sincerely, [ Your Full Name ]
Product: Student loan

My student loan was purchased by XXXX from XXXX. Without telling me, they changed my auto debit minimum payment due to more than triple the amount I had been payint, from {$310.00} to {$1000.00}.
Product: Credit reporting or other personal consumer reports

To Whom it XXXX Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because l need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report on ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 


On my XXXX credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points. 

On my TransUnion credit report on ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Product: Debt collection

I received a bill from you on XX/XX/2018 regarding account XXXX   and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid AMERICAN consumer credit for their services to assist with getting rid of a time share contract and clear up my credit associated with time share, this was not completed, I have tried contacting company multiple times and they do not answer the phone and voicemail has been full for the last couple of months. Company guaranteed their services or money back after 2 years and I have been unsuccessful with attempting to get reimbursed as company never completed their services
Product: Mortgage

I called to simply INQUIRE about escrowing my taxes & insurance. I specifically told the agent this was an INQUIRY only. She said they would send information and I could decide then. They sent the information, I decided NOT to move forward. I called back and told them I would NOT be escrowing my taxes & insurance and I wanted to BE SURE NO CHANGES WERE GOING TO BE MADE TO MY ACCOUNT. The agent assured me there would be NO changes. She said they would have to receive signed documentation before they could make a change. 

On XX/XX/2020, they drafted {$740.00} plus a {$4.00} service fee out of my checking account WITHOUT MY AUTHORIZATION. I have called repeatedly and finally spoke to " XXXX in XXXX ''. She saw the phone calls and notes I sent and agreed with me, IT IS A BOA ERROR. I have since called back and sent an email but no one will call me back. It's still not resolved. 

THIS IS OBVIOUSLY ILLEGAL AND IMMORAL. HOW DO YOU NOT HAVE ANY CHECKS AND BALANCES TO ENSURE THE PROPER PAPERWORK HAS BEEN RECEIVED? FURTHERMORE, THEY NEED TO ALERT A CUSTOMER SOMETHING IS ABOUT TO CHANGE ON THEIR ACCOUNT SO THERE'S TIME TO CORRECT ANY POTENTIAL ERRORS. BOA DID NONE OF THIS. THIS IS A CHECKING ACCOUNT BEING DRAFTED. THAT'S A BIG DEAL.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to formally dispute and demand the immediate removal of inaccurate information on my credit report regarding erroneous collection accounts and late payments, addresses, and names. This letter constitutes my official notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer laws. These entries are disputed as they do not meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ) and violate the requirements of 15 U.S.C. 1681a ( 2 ) ( xi ), which obligates furnishers of information to report accurate information related to consumer debts.

Under 15 U.S.C. 1681i, I demand a thorough investigation into these disputed accounts. XXXX  required to complete this investigation within 30 days of receipt of my request. According to 15 U.S.C. 1681i ( a ) ( 5 ), XXXX  find that the information is inaccurate or can not be verified, it must delete the information from my credit report.

Furthermore, please be advised that under 15 U.S.C. 1692c, debt collectors are prohibited from communicating with consumers under certain conditions, particularly when the consumer is represented by an attorney. Additionally, 15 U.S.C. 1692g mandates that consumers have the right to dispute any debt information. Therefore, I expect your immediate compliance in verifying the accuracy of the reported accounts.

Moreover, should it be determined that any of the disputed accounts were inaccurate or unverified, I expect those entries to be removed from my credit report in accordance with the laws outlined in 15 U.S.C. 1681e ( b ) and the prohibitions against unfair practices as enforced under 15 U.S.C. 1666b for consumer credit protection.

I also remind you of the responsibilities under 15 U.S.C. 1635, which grants consumers the right to rescind certain transactions. Should these inaccuracies fall under this category, I will exercise this right to protect my interests. 
I was informed that they would not removed improper, and non mail able address because they were associated with old accounts. ( Please see attached ) Please be advised that if XXXX fail to resolve this dispute satisfactorily, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and consider legal action against your agency for non-compliance with the FCRA, including potential damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance.

This is a formal notification of my expectations for immediate action regarding this urgent matter. I appreciate your prompt attention and look forward to your written response within the legally mandated 30-day investigation period, detailing the actions taken in response to my dispute. 

Sincerely, XXXX XXXX
Product: Credit card

Citi credit card support was to fix recurring transactions on the credit card that were fraud, There were unable to fix this issue so they said they needed to send me a new credit card. 

They promised they would " check a box '' so the fraud amounts/vendors couldn't again charge my card. 

I got my new card, changed my cc with all the vendors and the old fraud charges kept coming. 

After that they said I had to cancel my account. To cancel account they sent me email with cancel terms. I didn't accept these terms bc I would lose my costco credit. Support promised me this wouldn't be the case and management team and support at citi credit card said I would still get my costco credit. Now citi won't send me my costco credit. 

I want my $ XXXX back in terms of fraud amounts and costco credits. 

Their support is not trained, lied to me several times and is very unethical business. 

Do not trust these banks and credit cards and what they tell you on the phone. Plus they forced me to sign an agreement to cancel card which in effect cancelled my other services promised to me. That's the only way I could get the hundreds of dollars in recurring fees from happening. Citi, like most other banks don't listen and don't help the average consumer. I only own XXXX credit cards, both with Citi for the last XXXX years. I've given them over $ XXXX in credit card transactions through my personal and business accounts. I'll never do business with Citi again after this. All of this over {$2500.00} in charges. What a waste of time and energy to have to change my credit card with vendors XXXX  times now in the last XXXX months with no resolution to this issue.
Product: Credit card

Bank of America has unjustifiably taken just under {$2000.00} from me since yesterday and when I contacted them this morning to return it they offered an absurd explanation blaming me for paying into my account at the beginning of XXXX. They offered to send a paper check in 14 days. When I said yes return my money but I would like it immediately they ended the conversation and provided a generic phone number to call. I was not rude or volatile. I made sure to express my displeasure but kept it very civil as it is not the employees fault but the institution theyre employed by. The employee failed to perform her job function and did not submit a refund claim for money they have yet to reasonably justify taking from me. I have a reasonable suspicion this is an act of retaliation for my claim against this card last month that went unresolved.
Product: Debt collection

For over 4 weeks, I've received between 4 and 10 phone calls a day from a variety of fake numbers that hang up on me when I answer. When I call back, they proudly announce that I have called Frontline Assets Strategies and proceed to illegally record the conversation without consent. My state requires all party consent.

At least 8 different numbers are used and the people who answer the phone are using fake names like " XXXX '' and " XXXX '' and other decidedly fake names from clearly foreign sources. 

( XXXX ) XXXX ( XXXX XXXX XXXX As I have absolutely no unpaid debt. I use my debt card for all purchases and the number they call is an unlisted, unattached, Do-Not-Call Registry number this is obviously fraud. They continue to call after being repeatedly told not to call.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. I receive no proper evidence of any thorough investigation. This practice violates the fair credit reporting act, which mandates a reasonable investigation of disputes. I request that CFPB take action to ensure that XXXX complies with federal law and provide us consumers with the proper documentation that an investigation has took place with proper procedures.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT REPORTS I HAVE ATTACHED FTC FORM SHOWING THE FRAUD PLEASE UPDATE MY CREDIT REPORTS
Product: Checking or savings account

I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.
Product: Credit reporting or other personal consumer reports

Subject : Complaint AgainsXXXX XXXX XXXX XXXXXXXX Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against XXXX XXXX XXXXXXXX for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : XXXX XXXX XXXXXXXX has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off. 
2. Securitization of Debt : Upon reviewing XXXX XXXX XXXXXXXX SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, XXXX XXXX XXXXXXXX no longer owns the debt, raising serious concerns about their right to report it. 
3. Improper Reporting Practices : Despite charging off the account, XXXX XXXX XXXXXXXX continues to report it to credit bureaus, including Experian and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that XXXX XXXX XXXXXXXX followed proper notification practices under applicable debt collection laws. 
5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that XXXX XXXX XXXXXXXX may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further investigation.
Product: Credit reporting or other personal consumer reports

I found out that someone applied for XXXX credit cards in my name. I was advised to freeze my credit report. Experian makes this impossible to achieve online. Their system repeatedly rejects online requests and directs you to call them. Then their answering system refuses to let you talk to anyone ( it literally says that it can only allow you to speak with a representative in limited circumstances and hangs up on you ). To freeze my credit report so that people can not apply for more cards in my name I literally have to send them private information like a copy of my drivers license and a bill by mail. I can't get through to them any other way. I feel they are deliberately making this difficult because they want companies to use their service so they can charge fees. 

For reference, I was able to freeze my credit report with XXXX XXXX and XXXX in about XXXX minutes. With Experian, I spent several hours on their website and on the phone. Each time the system simply routed me to dead end where I could not accomplish the task or get any sort of meaningful help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for XXXX financing online. Recieved an inquiry. 

Then 3 days later recieved another two inquiries that were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

When I logged into my Citi XXXX XXXX account today, XX/XX/23, I saw that one of my purchases, for XXXX, with a charge of {$210.00} was eligible for the " Citi Flex Plan '' at zero percent interest. No fees were disclosed either on the offer or the confirmation. I signed up for the 36-month plan. However after I did so, I saw that the monthly payment of {$7.00} would amount to {$250.00}, indicating that there were in fact fees involved. I never pay interest on anything, I always pay in full, so there is no way I would sign up for this if I thought there were fees or interest. 

I initiated a chat, however the person did not understand the situation and gave me a number to call, XXXX. I spoke to someone named " XXXX '' who kept checking with a manager and insisted the fee is disclosed on the website. I asked her to point me to that and she was unable to. She gave me a long url that redirected back to my home page. On one of the times she put me on hold, I was able to locate a link for Citi Flex Pay, and I got this message : Access Denied You don't have permission to access " http : //www.citi.com/credit-cards/creditcards/citi.action? '' on this server. 
Reference # XXXX Ultimately I did get transferred to a manager named " XXXX '' who reiterated that the fees were disclosed but could not point me to anywhere I could see this disclosure. I told her I had downloaded the confirmation page for the plan which did not disclose them, as well as having received 3 emails which did not disclose them. At that point she said she would waive the additional {$35.00} as a courtesy, but by then I was very suspicious and did not trust that there would not be some fine print somewhere and I no longer wanted to associate with the company. 

I told her I wanted to pay my bill in full today and that I would no longer charge anything to this card. She took my payment of {$370.00}. 

I am disgusted by this fraudulent business practice and I believe you should investigate this and take action.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Mortgage was paid off. Lender, mortgage servicer, and lender 's law firm refuse to submit a satisfaction to the recorder of deeds.