23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> my bank account was charged {$130.00} from XXXX. I received an overdraft notice and checked my account I found multiple transactions from XXXX pending on the account as well as overdraft fees. I checked my email and found that at XXXX I received order confirmations for digital gift cards for XXXX and XXXX XXXX XXXX and that my debit card had been used to purchase them. The account was charged multiple times the second charges were denied because of insufficient funds. If there had been more money in the account it would of went through again. I had my card in my possession so I believe my XXXX  account and email were hacked. I am a XXXX XXXX XXXX women who does not play video games or computer games. I have shopped at XXXX once or twice in my life for gifts but this was not me or anyone in my home. I canceled my card and had a new debit card issued to me and changed my email password. PNC bank refunded my money pending investigation however on XX/XX/year> I received notice that they had completed their investigation and were debiting the funds back from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Checking or savings account

Date : XX/XX/year>2024 Amounts : {$1000.00} Situation : I opened a Citibank checking account on or around XX/XX/XXXX, but I never received my debit card. Then, on XX/XX/XXXX, while i was at home and I received an alert from Citibank that {$1000.00} had been withdrawn from an ATM. I immediately called the bank and filed a dispute. However, after their investigation, Citibank concluded that it was a normal transaction. 

After receiving that result, I called the bank again to file another dispute, but a few days later, I was given the same response. As a result, I decided to file a police report and submit another dispute. Unfortunately, I found out today that the result still has not changed. 

As a college student, this amount is a significant financial burden. I never received my debit card, never used it, and reported the issue immediately. Despite filing multiple disputes and even a police report, Ive been told the transaction was considered normal, which I strongly disagree with. I am very disappointed with how Citibank has handled this issue. I am requesting CFPB assistance to have this matter properly investigated and resolved. My police report ID is XXXX.
Product: Debt collection

Someone has fraudlently used my personal information to obtain services. I have been a victim of identity theft! I never have had any dealings with this company- Wakefield & Associates or the oringinal debtor ( XXXX XXXX XXXX XXXX ). I've tried to rectify this with the collection company but they keep giving me the run around. The debt is in the amount of {$1300.00} and it states that it was opened on! XXXX. Again, I have never had any dealings with either of the above mention companies. Nor have I given anyone permission to use my personal information.
Product: Credit card or prepaid card

On XXXX XXXX,2017 I made an online balance transfer with USAA for the amount of XXXX I 'm a XXXX Vet with medical documentation. I made an error filing the online balance transfer. I immediately called USAA to cancel the transfer. It was and still is in Pending. USAA informed me they would not cancel the balance transfer. <P/>I 've contacted them on XXXX XXXX,2017. Spoke with Executive Resoultion XXXX XXXX over the phone. Spoke with 8other USAA representatives. I also chatted with four different USAA personnel. All telling me NO. I called six different and chatted online with threeUSAA. I 've been calling everyday since XXXX XXXX,2017 and keep getting denied of the balance transfer. USAA wants to post the transfer so they can accrue the interest rates. I 'm XXXX and can not afford the interest charge of {$150.00}. I called USAA immediately when I realized my mistake
Product: Debt collection

I was informed I owed a debt of {$3900.00} from a XXXX  account. This account was opened in XX/XX/2004 in which I was XXXX years old. The owner of this account my grandmother passed and this account has appeared on my credit report 7 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer, Nelnet, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Product: Debt collection

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. 

Please apply these laws to my accounts the fair debt collection practices act law 111-203, title X 124 Stat. 2092 ( 2010 ) fair credit reporting Act ( FCRA ) 15U.S.C 1681 ( " FCRA '' ) please removed all this thing on my credit report.
Product: Debt collection

I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.
Product: Debt collection

XXXX XXXX XXXX business account was closed in XX/XX/2020 at Bank of America. I haven't received any mail at home about a remaining balance. I couldn't access the account because it was closed and they continue to pile up the fees without physicals MAIL notification. The balance is now in collection from what the phone rep said.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/2022 I sent a letter to Experian regarding two accounts they are reporting inaccurately. They are reporting the payment status wrong. Payment status should be current payment status and they have completely inaccurate status. 
XXXX is closed and paid in full - they payment status should read- PAID AS AGREED. 
XXXX XXXX is current and they are reporting a delinquent payment status- should read " paid or current ''. 

They have not communicated that an investigation has even started in over 60 days. 

Ive included both letters I wrote to them as well as my credit report for both accounts with the inaccurate info highlighted.
Product: Credit reporting or other personal consumer reports

Despite multiple phone calls and two letters ( XX/XX/year> and XX/XX/year> letters attached ) regarding Equifax stating I am deceased, as of today XX/XX/year>, they continue to report me as dead ( See screen shot attached of closed XXXX account ending in XXXX ). I am hoping the CFPB can get them to corrected their mistake and label this account with me as alive. To that end I have included current ID ( Current Passport, SS Card and recent Utility bill ) to prove I am very much alive. By indicating me as dead, Equifax is preventing from obtaining a credit score which has caused me to lose credit card opportunities and not qualify for a car loan.
Product: Credit reporting or other personal consumer reports

Hello, The credit bureaus XXXX, XXXX, XXXX are reporting on my profile that I have a balance and missed payments currently however, I am in forbearance and not required to make payments at this time and this needs to be corrected asap. They are ruining my chances for getting approved for home loan, car loan and credit loan. I have provided proof of this forbearance attached.
Product: Mortgage

Our mortgage is in my name. My wife pays the bill monthly. She was making the payment in XX/XX/XXXX online and thought it was fine until she went to make the XX/XX/XXXX payment. She then realized the XX/XX/XXXX payment did n't go through so she called, they waived the late fees and she paid both bills. She also forgot to make the payment at the XX/XX/XXXX. We are now on autopay to make sure she does n't forget but Freedom Mortgage submitted this to MY CREDIT REPORT dropping my score XXXX POINTS! Absolutely ridiculous that they would file against my credit for this very simple mistake one of which was their technology. This issue has prevented me from being able to XXXX ( the only reason I found out they had done it ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on my credit report with XXXX, XXXX and Experian onXX/XX/XXXX. I  included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a serious matter related to the inaccurate and incorrect information being furnished by Mercedes Benz Financial to the consumer reporting agencies. This inaccurate reporting has caused significant harm to my character, reputation, overall well-being, and has negatively impacted my ability to obtain credit for personal and housing purposes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, XXXX, and Experian a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX  never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. XXXX  never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a installment loan with World Acceptance Corporation in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from Colonial Finance Company. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.
Product: Checking or savings account

I recently purchased a XXXX XXXX XXXX through your website when I selected XXXX 7 day passes. These were advertised as {$200.00} on your website, however I was charged {$330.00} for each pass excluding any taxes and handling fees. I would like a refund of these tickets as they did not charge me the advertised price and there has been some form of mishap here. 

The company have stated that the wrong price was listed on their website ( which is what the transaction said it would charge me initially ). They also stated their refund policy is XXXX  %, which would be understandable if this was any other transaction, instead it seems they had chosen a random amount to mischarge me, and then refuse to pay it back to me once I had seen the issue. 

My bank refuses to take up the issue with the company who maid the erroneous charge. I believe this is unfair, as the company are not cooperating with me ( as I believe they are fraudulent ). I would like this to be sorted, either via the company or the bank.
Product: Credit card or prepaid card

American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.
Product: Credit card or prepaid card

Interest Rates are at an all time low. 
I have 3 Capital One accounts Ending in XXXX, Interest Rate is  21.99 % Ending in XXXX. Interest Rate is 24.40 % Ending in XXXX, Interest Rate is 23.90 % I have had one of these accounts for 23 years and never missed a payment. 
With the economy, stock market and Corona Virus weighing on me, I asked Capital One to consider Interest Rate relief. I spoke with Capital One on XX/XX/2020 about lowering my Interest Rates, but Capital One said they would not work with me. 
I need help please.
Product: Debt collection

I recieved a collection from oliphant for {$3900.00} I am not familiar with oliphants I was in credit counseling where I took care all of my debt 3 years ago so I'm not sure how this popped up now
Product: Vehicle loan or lease

New car loan acct # XXXX purchase date XX/XX/XXXX. XX/XX/XXXX due date change requested at dealer and prior to 1st payment due with Ally Financial who tried to charge me for a date change. I requested prior to 1st payment due asked for the charge to be waived and due date changed. Escalated with Ally Financial they approved the date change noted my account. They didnt adhere and allowed my account to go into collections, added late fees and began harassing collection calls. Made repeated request to correct my XXXX I asked for my account to again be corrected Ally financial refused until I made a payment. Strong arming me. Payment made. Account still not corrected. No company should charge a customer to change an initial due date, strong arm a customer with intimidation by refusing to correct a problem unless payment is made. Due date change approved the XXXX week of XXXX by Ally financial. My account was mishandled. I'm having problems getting resolution. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Management Control Inc has placed a collection account on my credit report via XXXX in XXXX of 2022. 
Upon learning about this collection account via XXXX XXXX ( based on alerts I subscribe to ) I contacted Credit Management Control Inc. to request validation of the alleged debt, which does not belong to me. I also disputed this company 's collection account with XXXX on XX/XX/ 2022 ( XXXX confirmation # XXXX and on XX/XX/ 2022, XXXX responded to say " this account has been verified and will remain on my credit report. '' I provided a copy of a recent Identity Theft police report filed by me, as there were multiple accounts listed on all three credit bureaus which did not belong to me.

I have mailed to Credit Management Control Inc a written request for the validation of this alleged debt the company is saying belongs to me. I have been unsuccessful receiving a response. I mailed the request on XX/XX/2022. To date, no response has been received from Credit Management Control Inc to validate the debt. Additionally, I never, ever received an notice of this debt from Credit Management Control Inc prior to the company submitting the alleged collection to my credit report.