23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Debt collection

I keep having a debt collection added to my credit, which has been removed TWICE because it is inaccurate. They have called me every day for years and I keep telling them I don't owe anything and it has been removed but now it's been added for a THIRD time. PLEASE PLEASE help.
Product: Debt collection

I was a victim of identity theft. I contacted capital one and they agreed to remove the debt. However, it is still being reported and sold to The XXXX XXXX agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CAPITAL ONE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

Hasted financial services has been harassing me by continuing to send mail saying I owe them a debt I told them it was fraud and that I do not owe them anything .I continue to ignore them after explaining the situation I am asking that they pull or produce the original bill and they will see that I do not owe them any money I am sick of the harassing letters they are depressing me with this situation.
Product: Debt collection

I previously lived in XXXX XXXX XXXX in XXXX California with my daughter. We moved out on or about XX/XX/XXXX. We had the apartment professionally cleaned and paid all monies due. Nothing was owed on the apartment. Years later in XXXX, my daughter notified me the Kimball Tirey & St. John LLP had placed a collection on our credit reports. She contacted them numerous times and was told the collection was placed because some COVID law for rentals expired in California. She informed them that the COVID law doesn't apply to us because everything owed was paid in full. My daughter provided proof of XXXX balance and copies of payments made. The collection agency still refused to remove the collection.
Product: Credit card or prepaid card

Called CitiCard to ask why my interest rate charge was two-tiered and had increased dramatically from 13 %. Agent replied that I had a late payment in XX/XX/2022. As was caring for a friend during XXXX treatment, it went unnoticed. I told agent that my bank showed an online direct wire payment of {$400.00} ( nearly double minimum payment ) on XX/XX/XXXX for a due date of XX/XX/XXXX. She stated that Citicard posted that payment on XX/XX/XXXX. I have XXXX control over when they choose to post payment. I informed the agent that the new rates were ridiculously high@ 29.99 % and 18.49 %, and that my other card had kept my rate at less than 10 %. She stated that she could only refund my late fee. When I stated they would be reported, she retorted that she would put the fees back on my account. I thought there were laws against usery in our banking system. Could it be that super pacs rule our consumer protection agencies and leaving us exposed to bad actors in our banking system?
Product: Checking or savings account

On XX/XX/XXXX I opened a TD Beyond checking account to secure the advertised promotion of {$300.00} they were offering. I did everything correctly but did not receive the bonus. They claim I received a bonus in the past but it was not in the preceding 12 months like their terms state. Their terms say, " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I did not have an existing account and I completed all required qualifying criteria. The terms CLEARLY state in order to be available for this promotion, you can not have had an account in the previous 12 months. My previous account was closed on XX/XX/XXXX. I am not the greatest mathematician in the world but between account closing on XX/XX/XXXX and opening account on XX/XX/XXXX is more than 12 months. Bottom line : I did not have an existing account, I did not have an account in the previous 12 months, and I completed all requirements. I was clearly a new personal checking customer! I would like someone from TD Bank to explain how I am excluded from this promotion. Simply saying that I've had an account in the past will definitely not suffice as the terms unmistakably state the preceding 12 months. I have attached a copy of the terms for your viewing pleasure ( I even highlighted it for you ).
Product: Debt collection

On XXXX/XXXX/2015 I purchased an item thru XXXX. XXXX withdrew the total amount from my checking account on the same day. This purchase was cancelled over the phone and XXXX credited my account on XXXX. Later on, I decided to purchase the item again and XXXX withdrew the money again on XXXX ... so, the item got PAID and it was received. I do n't know what kind of mess they have between XXXX and XXXX that 2 months later, XXXX billed me for the same item, with interest and late fees. I had never received a bill from XXXX so I called. They kept on transferring calls between XXXX and XXXX without resolving the problem ... XXXX promised to file a dispute, refund PaypalCredit and let me know. I received a second bill with more late charges ( please note, XXXX had already been paid because my checking account was linked to them ). I called again and after speaking with XXXX different people, finally I could talk to a supervisor who reviewed the account and came to the conclusion that if XXXX had paid for the item on XXXX, XXXX should not withdraw the money from my account on XXXX. She promised me that XXXX would refund XXXX, and that I would not owe them anything. I called XXXX and they told me that as soon as they received the money ( {$76.00} ) from XXXX, the account would be closed. A XXXX letter came in with more late charges, the bill was already over {$160.00} and I called them again. After speaking with XXXX or XXXX different people, a supervisor assured me that I would never receive a bill again because the problem had been resolved ; yet, she transferred the call to another XXXX Supervisor who confirmed that I would never receive another bill. At this point, I had already have a nervous breakdown. To my surprise, I received another bill today, XXXX/XXXX/2015 in the amount of {$200.00} ( again with late fees ). This bill is already in the Collections Department. Please note that I received XXXX item and I paid for it ( please see picture attached which is a screenshot from my bank account. Today I called again at XXXX Eastern Standard Time, and at XXXX ( XXXX hours & XXXX mn later ) I was still with them on the phone with both ( XXXX and XXXX, trying to resolve this issue. I spoke with XXXX different people - all of them asked me for my information over and over and over. Now they have all my private information, SS #, my bank information, everything! They kept on transferring the phone between XXXX and XXXX and can not resolve the problem. In the meantime, I am bombarded with bills and late fees for something that has been paid. Please contact them and help me resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. # XXXX, and XXXX XXXX # XXXX, have 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 I have not given either of these debt collection companies written instructions to furnish any accounts and as such they are violating my right to privacy.
Product: Credit reporting or other personal consumer reports

I get monthly I have several creditors that are refusing to change my due date so I avoid a late fee and or late payment remarks. For the past years I have been pushing hard to get this request completed. These creditors are not compliant with FCRA and complying with the due date requirements of allowing the consumer to make a change. These companies are fraudulently charging late fees stating that cant change per the guidelines, or state once your account is current which it is, or youre over the limit. I wouldnt be over the limit if they were not racking up fees charges and then interest on top. They are losing money because people are defaulting and XXXX  the consumer who is doing right and paying monthly but refusing to change the date because they will lose revenue if they honor the request. Synchrony Bank is the worst, XXXX XXXX XXXX  is another, How is this acceptable?
Product: Mortgage

My lender is not helping me. They keep on denying my application and advising me that there's no option for me even a repayment option. I want to save my house but my lender is not helping me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen from me to open fraudulent accounts with Fifth Third Bank.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Contacting XXXX  I Called To Check On The Status Of My Loan Forgiveness But The Lady Informed Me That They Never Received Any Payments So I Contacted Cash App Customer Service But Nothing Was Available So I Requested For A Refund And They Were Denied. I Just Cancelled My Card and requested for a New card.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I noticed my XXXX score came down from XXXX to XXXX in XXXX and XXXX in XXXX. After I investigated the problem, I found out that my XXXX Credit card was canceled for no payments. I checked with my office XXXX here at my clinic and she reported to me she has not seen the XXXX monthly statements for over XXXX months. I called XXXX Bank about this and they informed me that the bills went out every month. I explained to them we had not received the statements in our office. On a side note, we have also experienced loss mail previously, particularly when we moved our clinic to the new location. I requested a history of my payments and I noticed that according to their records, there were no payments for XXXX and XXXX, but the balance for XXXX was {$XXXX}, which we paid {$XXXX}. In XXXX the balance was {$XXXX}, for which we paid {$XXXX}. The total balance between these XXXX months was {$XXXX}, for which we paid {$XXXX}. In XXXX the balance was {$XXXX}, but there was no payment on that month from us, but they had a {$XXXX} credit, which they did not apply to the current balance. On XX/XX/XXXX, the balance then was {$XXXX}. They had plenty of credit to apply towards the balance. In XXXX there was a {$XXXX} balance, but yet we paid {$XXXX}, which they said we owed. I am reading this payment history from the report we received from XXXX Bank. Finally, they canceled my account for non-payment and reported to the credit bureaus that I was late 90 days, which is incorrect. I contacted XXXX and XXXX about this situation. I filed a complaint to have them remove the derogatory information on my credit, which until then was almost a perfect score. I contacted them about their results and all they could say was that they could not delete this information from my records. It was a young lady from XXXX, who suggested contacting your agency because you could be the only XXXX, who could clarify this situation for me and the bureaus so they can delete derogatory information from their records. I hope you can review the merits of my claim and favor my petition. I do not want my perfect credit to be damaged as a result of inefficiencies from the XXXX Bank and XXXX Bureaus. I thank you for taking the time to read this rather lengthy complaint.
Product: Credit card or prepaid card

they are increasing [ about two dollars ] my balance daily saying itsanticipated interest interest that they take off my actual montly interest but i have never seen it taken off. they refuse to send me a detailed statement showing the money they have taken out or deducted from my interest.. i have alot of credit cards but don't have this problem with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Received letter XX/XX/XXXX my checking access frozen ... 

Called Fraud Prevention XX/XX/XXXX Was told they are closing my account and that I would receive any funds in the account after 30-60 days After 90 days still no check {$6000.00} Called back to XXXX Citibank and asked to talk to supervisor they told me that there was a block on my account and they were closing the account Called and spoke to XXXX she referred me to XXXX dept. XXXX choose option # XXXX Doesnt know when the account will be closed. 
Supervisor XXXX. 

XX/XX/XXXX Following up called Citibank because I had not received anything in the mail as promised. 
Update new address : XXXX XXXX XXXX XXXX XXXX XXXX  hi XXXX As always I am on hold now for hours XXXX and still nobody is coming back. 
It is my request now to fly to mainland XXXX XXXX and retrieve my money owed. 
As there is no local branch of Citibank.
Product: Debt collection

I thought about moving mine and my husband 's cell service to XXXX XXXX XXXX. I conducted this online at XXXX. We ordered phones, and the phones came in and then we decided that this move was not saving the money that we thought it would. 

We returned the phones, without ever using them or putting the sim card in them at all. I called XXXX and told them that we wanted to return the phones and not be hooked up to their service. They emailed me the return label for the return of the phones and we mailed them back to them. They are not trying to collect the phones, but they are trying to collect for service that we never turned on or used. I talked several, several times to representatives with XXXX and they " understood our frustration '' and " yes I see in our notes that you returned the phones and didn't use our service '' and " we will take care of this '' and " yes we see that you do not owe money for our service '' and " we will escalate the situation to management ''. Hours and hours were spent holding on the phone to talk to these representatives that said they would take care of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted previous complaint with no response after 30 days. 
I am able to ask for {$1000.00} for the no response per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I was fraudulently billed by Transunion 4 times last month. I did not have any conversation with them about any services. My bank reversed the charges and required I get a new card and redo all my auto charges to my credit cRd. Ans now I see that Transunion reduced my credit score at another bank I use. As a banking executive, this can have a direct impact on my employment. I called transunion several times and their voice system kept disconnecting and saying to try back another time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying my request to remove credit inquiry that has been on the report for over 2 years. I submitted requests to remove the inquiries multiple times online but Equifax failed to remove the inquiries. I also spoke with them on the phone but was instructed to submit another dispute online.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the XXXX year STATUTE OF LIMITATIONS to collect. 
XXXX XXXX  is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Product: Debt collection

Was threatened to be sued in court. Multiple calls made during midnight, ( Hawaii Time ). They are trying to collect By someone who could have stolen my identity. 

The name of the person they are trying to collect on debt on is shown as : XXXX XXXX. 

My full legal name is : XXXX XXXX XXXX is also not the same per documents that were given by debt collector. They are also Illegally collecting interest and frequently reporting the change in amount every single month on my credit which harms my credit score every single month!!
Product: Student loan

There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!
Product: Debt collection

XX/XX/2022 approximately XXXX XXXX a man left two voicemails using intimidating implications of my arrest or worse with my two elderly parents. They were so very upset and contacted me. I called the number given and gave them the case number and the lady couldn't tell me anything about the claim. She wouldn't identity the one filing the complaint and wouldn't tell me what the claim number brought up as in information to claim filed. I have not received anything in the mail about this or any telephone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.
Product: Student loan

FedLoan Servicing keeps adding balances and subtracting them from my account. These accounts were reported late between the years of XXXX. This has adversely affected my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one,  they did not have my correct contact Information and I was not able to be notified that my accounts were out of forbearance. I respectfully ask that the late payments due to this are removed and set the current. As soon as I contacted fed loan servicing, my loans were updated back to the forbearance status. Also, I would like to request that all loans older than 6 years be removed from my credit report, as that is longer than the SOL in my state. I need this removed ASAP, as FedLoan servicing is participating in illegal collecting and reporting practices. I have contacted them repeatedly to try and resolve this matter as well as speaking to supervisors in numerous departments without a resolution.
Product: Debt collection

I paid this account nearly two years ago, and when I did I was told by Enhanced Recovery Company 's agent it would be deleted from my credit reports in 2 months. This account is continuing to report on my credit despite the false promise that they would delete the accounts after resolution.