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

There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX XXXX . I have tried to call this company four times and i can not speak to anyone. I have also tried calling XXXX XXXX and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I opened the Citi bank checking account on XXXX and set up my online banking on XX/XX/XXXX because the bank has a promotion as {$320.00} for {$4000.00} direct deposit as a new account. I used the account to receive my Rental income of our house ( owned by me and my husband ). The {$3000.00} money was deposited to my Citi account on XXXX. I spent couple hours on XXXX to set up the zelle payment and ACH transfers but the poor Citi bank system always has issues. I called Citi bank to set up the account but failed. Citi Bank then sent me an email on XXXX and noticed me that my account will be closed in 60 days but didn't give me any reason. Then I can not access the account. I called Citi bank several times between XXXX and the customer service person always give me different answers. I requested to receive the {$3000.00} money in my account but failed and they told me that I only can get the money after 60 days or I can go to a Citi bank branch for a check. I went to Citi bank branch on XX/XX/XXXX by driving almost XXXX hours roundtrip, the teller in the branch told me the money has been returned and only {$25.00} dollars in my account. I requested the transaction ID or the statement but they refused. I contacted my property management company checking the return payment but they confirmed there is no return for the money. I have couple request to Citi Bank : 1. Return my {$3000.00} deposit to me immediately. 2. Honnor the new account direct deposit bonus as {$320.00} 3. Apologize for no communication of closing account and extra difficulty caused to me for seeking back the money. We really need the money to pay our bills and I have paid many late fee and interests because the suddenly lose the access to my moneys in Citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter on XXXX XXXX XXXX XXXX for account XXXX that has inaccuracies and shows that I owe {$4500.00} to XXXX and TransUnion.
Product: Checking or savings account

I hired ADP to process payroll for my company from XX/XX/XXXX through XX/XX/XXXX. Without my knowledge, they sent my account to an overseas company. Not only did they use a Tax ID that I did not provide them with, they also neglected to report the wages of one of my employees correctly to the XXXX. 

They were dishonest and still have not corrected these issues. My State and Federal filings were incorrectly done and the representative XXXX XXXX, in XXXX XXXX, passed me to XXXX XXXX, who is supposed to be a supervisor. Both ladies ignored my calls and never fixed the problems. I have spent over a year trying to correct this and nothing. Have called the XXXX number given to me several times and still not taken care of. 

Instead of correcting the issue they just stopped dealing with me and decided to send me to customer service. Who has no idea what has happened and seems to not care about fixing the issue. 

XXXX XXXX handled incorrectly. Pulled money from my accounts and put large sums in XXXX account that I still don't have back. Address at XXXX changed 9 times. Its been a huge nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card. It was denied. Transunion score - XXXX. I have another score for Transunion of XXXX. XXXX - poor - XXXX - fair. The other two agencies XXXX  and XXXX are in the XXXX range. My score has been going up steadily in the last year except for the XXXX score which has not changed. I called Transunion but got no answer on this matter. Thank You. 
XXXX Credit Card. XX/XX/2018.
Product: Debt collection

Hello, This is XXXX I had an unpaid XXXX credit card I tried to work out with XXXX unfortunately Messeri and Krammer got my unpaid credit and they garnished my wage I never refuse to pay but, I asked for an affordable monthly payment to they refuse to negotiate with me i won't be able to survive by losing 25 % of my income every week I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied with 5 different mortgage bridge loan banks. I have NO debt and started with an XXXX credit score. Every time the bank inquired about my score, it went down. Nothing else changed!! I still have NO debt and pay bills IN FULL every month. Why was my score penalized merely for inquiries?
Product: Debt collection

Patenaude and Felix based in XXXX XXXX, CA has filed a lawsuit in XXXX XXXX, PA against myself ( XXXX XXXX, formerly XXXX ) to collect a debt ( that I believe I may actually owe ) without ever contacting me. I have received no mail, no calls, and no emails from them. Ive still not even been served. I only found out about this filing because I received a letter from an attorney offering their services to fight the case. I have now made 3 attempts to contact this debt collector- twice by phone, once by email, and have not yet been able to speak to a human being ( I reached voicemail for both calls ). This company is making no attempt to collect the debt in a reasonable manner.
Product: Credit reporting, credit repair services, 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

Incorrect debt collection account opened. The account was paid to progressive and should not have been sent to a collection agency. Amount was paid to XXXX XXXX XXXXXXXX during covid time and should not have been reported XX/XX/XXXX. I contacted the company to receive this confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and right now, I am submitting this CFPB Complaint requesting for you to delete the following fraudulent information reporting on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX. I have read enough to understand my rights which is protected under the Fair Credit Reporting act section 605. Under the same Federal law, you must remove the disputed accounts and information of from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times. When I log into my ( myequifax.com ) account, it shows an error " XXXX '' and asks me to call customer service. Well I have done this so many times with XXXX resolution. When I log into my account, it shows XXXX information. XXXX accounts at all. I have over XXXX creditors that report to my credit files for years now, and Equifax is refusing to fix this error and it's been 90 days now. The errors has apparrently been going on since XXXX of 2023. This is violating my consumer rights to view my credit reporting information and my Fico score. No one else can view my Equifax info either. It is keeping me from getting loans. This has severely violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have made several attempts with XXXX, Tel : XXXX and on XX/XX/XXXX & XXXX, XXXX  at XXXX to have my credit files unfrozen so that I can review my FICO score and credit report. 

I was routed to a call center in the XXXX which I find appalling considering I have already been the victim of identity theft, and it is a known fact that the XXXX is a hotbed for identity theft. Why is my credit file outsourced to the XXXX? 

Despite repeated calls, I am still unable to obtain both my FICO and credit report from XXXX. I can not speak with anyone in the United States, or at a corporate level to resolve the issues. 

I need help as I am a XXXX 100 % Service-Connected XXXX XXXX Veteran and this is tantamount to elder abuse. 

Sincerely XXXX XXXX XXXX XXXX
Product: Student loan

I went to XXXX XXXX XXXX and I had to take out a loan for Petes private student loan services for {$16000.00} in almost {$17000.00}. Peaks private student loans and XXXX were sued and were obligated to refund and withdraw all the loans to all of the students who took out loans with them. I have not received any information from peaks private student loans or from XXXX in regards to my loan being dismissed and withdrawn I would like to have that information in writing. Can you please help me with that?
Product: Student loan

I have loans with Sallie Mae/Navient for over 20 years and still have active loans with them. During these XXXX years, especially early on, XXXX gave me really bad advice when I asked a way to lower my monthly payments. They recommended I consolidate all my loans back then under XXXX big sallie mae loan and then defer, which i did because I couldn't afford my student loans. Once consolidated, there was nothing I could do to i.e. pay off a smaller portion. That went on a for a while. No other alternative was provided and since the loans were consolidated, the interest rates and penalties have been crazy. I called them not too long ago and asked if I could make a payment towards principle to reduce my monthly amount and they said I couldnt do that either unless I chose to refi the entire loan again. The monthly amounts have been so exorbitant for so long even when i was much younger and a mom. I have been paying my loans consistently and for a long time, but I wish I had never listened to them when I was younger.
Product: Credit reporting or other personal consumer reports

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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

ACCOUNTS : 1. Creditor : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : NONE Employers : XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> there was a pending transaction on my checking account that was going from my Debit Card to Remitly. 
I never used remitly and it shows card on file. 
It was in the amount of XXXX I'm not sure why or who allowed this to be happened at remitly and why remitly allowed the transaction to go through
Product: Debt collection

On XX/XX/2022, I received a debt collection letter from Portfolio Recovery Associates , LLC. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Product: Bank account or service

MY bank branch says I was target of an unsuccessful phishing attempt. Message on my cell phone said " USBANK ALERT! Visit personal link at : XXXX. '' Other number:XXXX XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card from XXXX XXXX XXXX and I paid {$100.00} to secure the debt. I asked the account to be closed and the company said my account was closed and I was denied access to the account. XXXX XXXX  is reporting a past due amount up tp {$260.00}. When I disputed this. Experian and XXXX updated my report to XXXX  past due but that there was a charge off of {$100.00} to XXXX the original {$100.00} was suppose to be refunded to me, yet I have not received my {$100.00} and There should have been no reporting of past due or charge off.
Product: Checking or savings account

On XX/XX/XXXX someone hacked into my Chime account and took {$650.00}. This was the second time my account was hacked even after taking all the precautions as directed by the bank. The bank has since denied my claim but will not contact me to go over the paperwork I waited 10 days to get showing why they denied it. I have called, emailed, and XXXX. I just keep receiving generic responses saying someone will contact me but no one has. Customer service claims the people I need to talk to are unreachable any other way but email. I just want answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has and continues to provide my financial data to parties that do not have legitimate use or purpose. 

In order to see how long this has been happening I filed a complaint with CFPB in XXXX of 2020 requesting this information from Experian ( case number XXXX ). Experian closed the complaint XX/XX/2020 requesting more information. This information was provided -- -such as ID and a more complete description but they would not deliver an extended view of those looking at my credit after multiple attempts. 

XX/XX/2020 I filed a complaint with the State of West Virginia Attorney General. Experian would not respond to the Attorney General of West Virginia.
Product: Debt collection

XXXX XXXX XXXX, XXXX, Ks XXXX RE : XXXX XXXX XXXX - Stolen Identity To : Berlin Wheeler ( send via email to bwmail@berlinewheeler.com ) RE : Identity Theft Dispute from Berlin Wheeler for XXXX XXXX ** Bogus account was fraudulently setup and collections showed up on MY IDCARE credit reporting on XXXX & XXXX This email is a follow-up to phone conversations from XXXX. 
I am formally requesting written copied of the Account in question application and other business documentation per the Fair Debt Reporting Act.

Under the guidelines of the FDRA, I would also like to see everything Berlin Wheeler and XXXX XXXX has about this debt incurred in my name. 
- Example XXXX ; I was told by the XXXX recovery team that the first name entered on the XXXX account in question was spelled XXXX, that is not my first name? 
- Example XXXX ; the account was opened XXXX, what are the details?? 
o Where did they open the account, state or online o What email and phone number did they use o Did they show some sort identification ( passport, drivers license etc ). I would like to see copies o Did they give a social security number o Did they sign for the account, I would like a copy of the signature o What was the account opened for XXXX XXXX is a huge company {$270.00} seems like strange amount So someone opened an account for something XXXX falsely in my name and by XXXX it went to collections that just doesnt seem right?? Explain that XXXX to me Background : Immediately upon being notified of a pending collection, I contacted Berlin Wheeler to resolve an Identity Theft Issue : - XXXX I talked to Berlin Wheeler Collections person = XXXX XXXX, who pushed me off to contact the Creditor = XXXX XXXX o She told me to contact XXXX XXXX XXXX on their website and submit an email to ID-Verofy.cox.com, which I did immediately - XXXX via the XXXX XXXX XXXX and explained the dispute and identity theft of course they ( Cox ) never responded?? 
- XXXX I contacted the FTC and filed a complaint XXXX Second ( XXXX ) Disagreement with Collections Berlin Wheeler will not engage directly?? 
Per the Fair Debt Reporting Act I am publishing my finding with the XXXX ( XXXX ) agencies, Consumer Financial Protection Bureau, State Atty Generals Office, the FTC and XXXX. 

Received USPS on XXXX from XXXX falsely still showing this account ( which I never opened ) is still in collections until 2029?? 
Report # ( redacted ), dated XXXX Please let me know how we can resolve this matter, since you are the collections company for XXXX XXXX, that huge company is impossible to contact??? 

Thank you XXXX
Product: Bank account or service

I opened a savings account with {$500.00} and they are only paying me 1/10 of 1 %. How can I save any money? Why do they call it a savings account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/