23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has been calling me excessively. I told them months ago to stop calling as much, they continue. 

On XX/XX/23, they called 4 times from a blocked number. 
On XX/XX/23, they called 3 times. 
Today ( XX/XX/23 ), they called 8 times.
Product: Vehicle loan or lease

This loan was from Bank of America for a XXXX XXXX XXXX. There was a late payment placed on my credit file for XX/XX/XXXX, which is incorrect. This vehicle was transferred/sold to a car dealer, which the bank ( Bank of America ) was paid off at that time. The transfer of the vehicle took place on XX/XX/XXXX, which is before the XX/XX/XXXX payment was due. The account is now closed but the late payment still exists on my credit file. 

I am attaching a odometer statement which shows the transfer of the vehicle to the car dealer. This document was signed by myself and the auto dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at   XXXX   can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Product: Credit reporting or other personal consumer reports

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result. 

Desired Resolution : I kindly request your quick attention to this matter. It is essential that you take immediate action to rectify the inaccuracies by removing all false information from my credit report. I can not afford to endure prolonged stress and negative repercussions due to the inaccurate details
Product: Credit card or prepaid card

I returned items purchased online. I received an email letting me know that the warehouse received the return and I will receive a refund. The email said it would take UP to 7 business days. I called on the 10th business day and I. Was told something entirely different than what the email stated. The rep and supervisor said it could take up to three weeks to receive my refund. I kept insisting that I was going by the email. The email which is a document, states it can take UP to 7 business days. I expect my refund within that timeframe.
Product: Checking or savings account

My account says XXXX dollars but they closed my account and I know I had money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and XXXX XXXX  and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,
Product: Credit card

Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.
Product: Checking or savings account

I have credit card with Capital one Bank that's why plan to open checking account- XXXX and Rep ID XXXX today XX/XX/2023 No explanation- seems like they run the whole financial sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on mXXXX XXXX XXXX XXXXrd. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Debt collection

Accoring to 15 U.S code 1681c-2 This is my statement that all listed acciunts have been reported and listed without my expressed written concent and therefore is a result if idenity theft and must Be removed. These accounts are not related to any transactions made by me. 
Account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ( XXXX )
Product: Bank account or service

I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared it.
Product: Credit card or prepaid card

Citibank is making it impossible to bank. I am authorized user - who in the theory can do anything but to close an account or to add/remove users - on my wife 's, my mother and aunts ' accounts. All cards in question are Citi Dividend Cards. In the past, I could have chat with the rep and request such thing as 5 % dividend bonus activated. Starting Q2 of 2019 citi told me only the primary can do it. When logging in with the primary account holder login, the link to activate 5 % online comes up with Err 404. My wife contacted them through her online account chat to activate manually. My mom contacted them from her online account to activate manually. My aunt called over the phone to activate. All activations done prior of Q2 start. All the time the reps confirmed the account 5 % cashbacks were activated. Guess what? None of the cards ' 5 % cashback categories were activated. My aunt had trouble reg account online - the error spitting she already had account and when trying to retrieve password error msg says there is no account established. She was running in circles. Not sure where she stands ... may be CIti fixed it. My sister was trying to help er to deal with the situation. Yet her 5 % cashback categories probably still not activated because she has difficulties with English someone has to be present next to her to speak on her behave. I don't even know how much bonus she had missed because of that. Now i have overpaid the card ( payed it twice ). Requested credit balance refund. First time the rep refused to even acknowledge the payments were made. Next one processed the over payment refund. When refund not generated I have contacted the rep again who told me overpayments refunds can't be processed by an authorized users.
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Product: Credit reporting or other personal consumer reports

they verified as accurate but that isnt true or correct. the only name i use is XXXX XXXX XXXX and i only lived at XXXX address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

Frequent her raising with threats to sue. Also contacted ailing family members and ex husband. My credit has suffered significantly, and messages are still left on my mothers phone - even during pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score. 

Do not ignore any evidence of account re-aging. 

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/24 citibank inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting citi bank to report it as fraudulent and was told nothing can be done.
Product: Credit card

CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED Bankruptcy XXXXXXXX XXXX XXXX
Product: Debt collection

I have no dates other than XX/XX/2017. I have told this collector to stop calling my job and to send me written notice several times and he has done neither. Today when I reminded him again that I have asked him repeatedly to stop calling and that I was going to file a complaint he got spicy and said that he does n't care about me filing a complaint. I hung up and he called my personal line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please  remove this line item from my credit report.
Product: Money transfer, virtual currency, or money service

Stranger online message me on XXXX. His name is XXXX XXXX. We talked for 3 months, and became friends. He say he help me make money in Crypto. I was convinced when he showed me that he was making money from Crypto trading. He provided me links to download Cryto.com and XXXX app on my XXXX. Since I didn't have money, I had to borrower from my credits, and applied for personal loans with institutions. The person gave me links to multiple online lenders, and I applied to all of them hoping they would lend me money. XXXX online lenders approved me : XXXX XXXX  for {$23000.00} and XXXX XXXX XXXX XXXX for {$32000.00}. I have outstanding balances on credit cards. My initial investment to Crypto was {$88000.00}. I profited {$220000.00}, and when I sold my Ethereum coin from XXXX, XXXX customer support texted me that I had to pay 30 % in " Profit tax '' in order to withdraw my money. XXXX wanted about {$74000.00} for " Profit tax ''. I wired in {$46000.00} that I borrowed from my brother, and my friend said he would send in the remaining {$30000.00}. After XXXX received the money, they told me my account number was entered incorrectly so they couldn't wire me my money, and would need 10 % deposit so they could unfreeze my account. I had my son and brothers look into this, and determined this was all a potential scammed.
Product: Checking or savings account

Bank of America processed my check from XXXX for XXXX benefits, according to XXXX, and then BofA claimed that they had never received the payment. BofA wrote that they would cancel my XXXX coverage in a letter dated XX/XX/XXXX. BofA stated on the phone today ( XXXX ) that they could not track my check. They asked me to pay them again through their site- XXXX XXXX XXXX  and to call XXXX to get XXXX refund. 
I spoke with XXXX. XXXX sent proof of payment on XXXX XXXX XXXX, and stated that BofA had my funds ( {$1600.00} ). 
The reference for the transaction is XXXX, I was told. 
We filed a fraud claim at XXXX. I was told that the claim number was XXXX by XXXX XXXX. 

Thank you. 

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

Remove the inquiries as I have not applied for any of them.
Product: Mortgage

Penny mac is offering assistance to srtugling homeowners.i have a major problem that although they are willing to assist .if a borrower clicks on yes to accept assistance it offers no specifics or description on assistance.Its almost like making a deal with the devil.for assistance someone needs to defer 2 months like myself and has and intrest rate of 3.250/ i have consented to the possibility of being placed in a forty year with a market intrest rate over that.?? borrowers will be inundated with intrest paymnets to achieve a lower payment.i think this definetly needs to be looked at. this in the long run will hurt borrowers and pennymac profiting handsomely, i need assistance but not at that price.
Product: Credit card

I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.
Product: Debt collection

I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. Portfolio recovery XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer of XXXX USD from my wife XXXX XXXX XXXX account to my Synchrony high yield savings account under my name. This flagged my account for fraud. My account has since been restricted. I have called Synchrony bank four times since then. During first phone conversation, I was told fraudulent activity usually takes 10 business days to resolve in a security investigation. After 10 business days, I called again and was told fraudulent activity has been elevated and will take up to 90 calendar days to resolve. It has now been 84 calendar days since the original transfer. After speaking on the phone with them they said it has been elevated with the security investigation department, but there is NO timeline on when my account will be unrestricted. I also have no received no documentation or any real verification outside of phone calls initiated by me that it is being investigated and has been elevated. I have asked for a direct line to their security department and was told that can not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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