23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ). 

I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.
Product: Credit card

FNBO Amtrak Reward Credit Card I can log in to my account, but then there is no option to view balance, make payment, etc. This is the case via XXXX  app and FNBO website on a XXXX laptop. When I click " contact '' on website I receive the following message : " Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' Other FNBO account holders report similar issues on XXXX XXXX XXXX.
Product: Debt collection

They call me one a average of 3 times a day i have blocked the numbers everytime they call I have told them i do not owe them the money and to please stop calling me. Portfolio recovery is who it is. There is not set time they just keep calling.
Product: Credit card or prepaid card

Hi, Basically, I opened a credit card account with Bank of America. There was an offer when I opened the credit card. I needed to spend {$12000.00} in 6 months on the card to get the offer. I also paid a {$90.00} annual fee on the card. 

The card was closed without my consent by Bank of America. I called to inquire and did n't really get an answer why. This is conjecture, but I think they may have cancelled the account so that I would not receive the bonus and they 'd get to keep the annual fee. 

In the ~3 months the card was open, I spent about {$7000.00} on the card. I would definitely have spent the full {$12000.00} on the card within 6 months as I had some expenses coming up. 

When I spoke with a representative from BofA, he sent my concerns to another department. The other department said I was ineligible for any or all of the bonus because I did not meet the spending requirement. When pressed that I did n't have the entire length of time to meet the requirement, I basically got non-answers or a repetition that I did n't spend {$12000.00}. 

I believe this to be unfair. I believe that I did not have the opportunity to meet the remainder of the qualifications because they cancelled the card early. Additionally, I would have spent the {$7000.00} on a different card had I known that BofA would cancel the card before allowing me to meet the spend. I would completely understand if I was only eligible for a prorated amount of the bonus based on the spending completed ( and I offered this as a reasonable compromise ), but even that was denied. 

Additionally, I think the annual fee should be refunded. I paid for a year worth of benefits but was unable to use the benefits at all because the card was cancelled ( I would have used the benefits this winter ). Between not getting a bonus and not getting to use any benefits, I feel ripped off. 

Finally, I feel like I have made reasonable requests to the bank, whom I have been a long time customer with, which they have repeatedly denied. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Your information may have changed since XX/XX/year> View your current credit report Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Open accounts/written contracts : The XXXX statute XXXX limitations on open accounts and written contracts is XXXX years. Credit card accounts, loans that do not fall within the ambit of the XXXX XXXX XXXX, and debts arising under other written agreements all fall under the same XXXX year statute of limitations.
Product: Money transfer, virtual currency, or money service

Between XXXX and XXXX, I sent money to an incorrect person and was not able to get the person to return the money. This happened on more than XXXX occasion, and the total amount lost totaled {$1000.00}. I was not aware that there were no guarantees to assist with errors.
Product: Debt collection

Ally Financial isn't corresponding with any requests that were mailed to them. Payments mailed to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail weren't applied to my account. I have mailed them certified letters as well with no response. They are in violation of Title 18 USC 1951
Product: Student loan

I was told incorrect information about my loan and money was not handled the way that I wanted in a timely fashion.
Product: Bank account or service

I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$400.00} The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My XXXX report has a different closing month of the account along with an extra month of payment reported. My Equifax report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Product: Credit card or prepaid card

I signed up for a XXXX XXXX branded American Express Platinum card in XX/XX/XXXX. As part of that sign up, I received XXXX Membership Reward points for spending {$5000.00} within 90 days of account opening. 

On XX/XX/XXXX my account was closed by American Express. The reason given was that " XXXX XXXX '' requested my account by closed. 

My account was in good standing at the time and I did not request that my account be closed. 

As part of the account closure, American Express " clawed back '' the XXXX points for the Welcome Bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Product: Vehicle loan or lease

On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment. 
Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was a victim of this breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. I have listed all accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 my 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 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, and 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Information Dear Equifax Dispute Resolution Team, I am writing to formally Correct/Update inaccurate information reported on my credit report which I obtained through your services. The disputed information relates to the credit utilization of my XXXX XXXX XXXX  Your report inaccurately reflects a balance of {$17.00} and a utilization rate of 9 %. However, my account from XXXX XXXXXXXX XXXX clearly indicates a balance of {$0.00} with an available credit of {$200.00}. This discrepancy is evident in the attached documents, which include : XXXX. A screenshot of the inaccurate information from your credit report. 


XXXX. My account statement from XXXX XXXXXXXX XXXX verifying the correct account balance. 



I request that you promptly investigate this matter and correct the inaccurate information on my credit file. Once the correction is made, I will gladly withdraw the complaints I have filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies regarding this issue. 

Please confirm in writing that the requested correction has been made or provide an explanation if further action is required. I kindly request your prompt attention to this matter, as it directly impacts my creditworthiness. 

Thank you for your cooperation. If you require any additional information or documentation to resolve this dispute, please do not hesitate to contact me. 

Sincerely
Product: Credit card

I purchased several appliances from XXXX XXXX financed through 'Citizens pay ' by Citizens Bank . This was on approximately XX/XX/XXXX. I also purchased {$800.00} worth of warranties for the appliances. I did receive the appliances, but around XX/XX/XXXX, I was informed that XXXX XXXX ( the business selling the products ) went out of business and never paid for the warranties to the third party supplier. Citizens bank was informed by me and others about the situation, but after 3 months still has not removed the amount I paid for the warranties. I have provided them with invoices and information about the situation and they keep telling me there is no update. These charges were financed through Citizens Bank and will begin to incur interest in XXXX of XXXX. I am still making monthly payments, which is a percentage of the total amount, which does include the warranties. 

I need to have these warranty charges removed because I never received the products.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I contacted Robinhood broker company.

I let them know that my account have been locked out and that i needed access to it.

i had no change anything ( nor my username or password ). however, i was no able to log in from anywhere.

I contacted Robinhood several time through all my different emails to give me access. I sent repeated emails from

3 different emails i have. they contacted me via email and said they had received my message but it would take 1 - 3 day to ge
t back to me. meanwhile, I noticed there was money transaction taken out of my checking bank account that is linked to my Robinhood trading account. 
i reported this again. they contacted me next day to ask me to upload photos of my identification. I did upload them same day. Next day someone else contacted me asking me to submit photos from my other emails. I did upload them again. To this point my Portfolio had several PUSH options that i had left open Friday afternoon. the stock market crashed Monday and Tuesday XXXX XXXX XXXX My options should have been in great value but of course i had no access to my account. 
On Wednesday someone from Robinhood contacted me sending me credentials for log in to my account. 
an email that was no mine. that email was : XXXX and my user name ( this was correct ). 

i reported that the email was no mine. i received their reply that they would send my case to higher customer assistance ( this was on Wednesday ). today is Friday and no one has contacted me yet, and i have sent several emails asking for an update.

my bank account was withdrawn another {$3000.00} today that i had not authorized and used towards Robinhood transactions. I had to block my bank account for any purchase or withdraws, especially from Robinhood.

I do not understand how serious Robinhood is about people 's safety and their credentials. 
someone hacked my account and use an email as XXXX I have exhausted contacting them. 
They do no have a phone number that allows you to speak directly. 
I need an immediate solution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus Equifax, XXXX and XXXX. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich 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 repoting agency if the person knows or has resonable cause to belive that the information is inaccurate
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see incorrect accounts listed on my credit report, and I dont know why this has happened. My credit report has always been accurate, but now, these discrepancies are there without explanation. I hoped it was just a technical issue and refreshed the page, but the errors persisted. Im begging you to review the documents Ive sent so this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraud alert on my XXXX XXXX, XXXX and Equifax credit report. Banks, credit unions, financial institutions and companies can not verify my identity through XXXX XXXX, XXXX or Equifax because of the fraud alert on my XXXX XXXX, XXXX and Equifax credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX account. Once I received the card I was unable to activate it. They kept saying account not found. Once I spoke to their credit department, they stated they could see my application and that it was approved. They advised me to go into the store and use the account and then it will be activated. I did that and after several weeks they were still unable to locate my account. After 3 weeks, I received a bill in the mail. Once again I called to locate my account as I only had 1 week to make a payment. They were still unable to locate my account. I had a bill in front of me, an account number and no one who would help me make a payment in the account. I feel like I am being scammed and about to get hit with late fees, interest and a ding on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an auto accident. 

Someone, not me, called an ambulance that I did not need or want. 

I received a bill that Equifax refuses to remove from my records