23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to my credit report on XXXX, based on my XXXX  credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as CITIBANK has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 

Thanks
Product: Credit reporting or other personal consumer reports

PLEASE RID THIS FRAUDULENT ACCOUNTS ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

THIS LATE PAYMENT ASSESSED ON XX/XX/year> IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.
Product: Debt collection

XXXX has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. XXXX/HSBC/XXXX  XXXX knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. XXXX/HSBC/XXXX  XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. XXXX/HSBC/XXXX  XXXX communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions XXXX is having on my life and would like a quick resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Money transfer, virtual currency, or money service

I sold something using the XXXX website and the buyer purchased the item for me through PayPal which we both have an account. PayPal requires you to upload tracking number and funds are normally available unless they determine them to be held period in this situation because a tracking number was uploaded my phone should have been available one day after the item was delivered. The item was delivered  on XX/XX/XXXX which is shown on the PayPal website. I have tried to contact PayPal numerous times including today in which I am still am receiving excuses on why the funds are not available. I have asked them to immediately make the funds available to me and yet they continue to provide excuses. I am asking for the funds to be available and to be provided compensation for damages and time spent on trying to receive my funds.
Product: Mortgage

I have contact credit counselor and had a court hearing with XXXX XXXX, PA Action in Mortgage Foreclosure in XX/XX/year> and PHH Mortgage kept sending me notice which I filed out and was deny and just on XX/XX/year> their lawyer XXXXXXXX XXXX XXXXXXXX send me a notice of civil action and PHH Mortgage send me a letter on XX/XX/year> early intervention borrower assistance which I filled out once again and was deny on XX/XX/XXXX. I have taken all the mortgages calls and done everything they had asked and still getting deny. We had fell behind on the mortgage because my husband was out on sick leave and he is back to work and we are working with a credit counselor who help us with a budget and we have the income now to start paying the mortgage but they want the whole amount that is due which is over XXXX now and going higher. At this point my credit counselor told me to wait until I get served paper before I hire a lawyer because it nothing they can do right now I do not want to file for bankruptucy.
Product: Debt collection

I have not received receipts for payments and have not received a Notice of Privacy Practices since I faxed in medical records to them. Please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card through XXXX XXXX for XXXX XXXX XXXX company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from XXXX XXXX to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the XXXX day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop XXXX points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rec 'd email/text notifications of a derogatory filing on my credit report by several of the companies that I do business with. I went in, can see the first few digits of the account number, the company, and the date filed. 
Company : Southwest Credit Systems Account # : XXXX... .... 
Date Filed : XX/XX/22 Sent to them by : XXXX Amount : {$630.00} XXXX I have tried to call them, they said it would be marked in their system as Fraud, and they sent me to XXXX XXXX Department. 
XXXX XXXX department said they couldn't do anything for me, but did confirm that the email is that of another family member with the same name, and confirmed that it was not the last XXXX of my SS # that they sent to this collection Agency. 

Tried calling several times to get assistance, but can't get anyone to assist or provide me with a manager to work this out. 

XXXX I've tried to reach the CEO via XXXX, providing a brief description and my XXXX XXXX to contact me back, but this has gone unanswered.
Product: Checking or savings account

On XX/XX/21 I paid a negative account balance of XXXX capital one 360 is still reporting this account as not paid. Additionally capital one 360 is also reporting I have a negative balance in an account that customer service has be unsuccessful with locating. I have no knowledge of the second account being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job at XXXX '. On Monday XX/XX/XXXX, I was interviewed and hired on the spot. On Tuesday XX/XX/XXXX, I was emailed a request by third party First Advantage, to provide answers to questions pertaining to a consumer/criminal background check, through a link they provided. It started off asking criteria for addresses for the past 8 years. Since I lived at my current address for over 8 years, I used only one address, my current address. Usually, when companies asked for addresses, they ask for 10 years, and do a criminal background check going back 10 years. 

First Issue, fraud, deception and Not Full Disclosure : First Advantage included incorrect information on my file, going back 24 years. The criminal background check for XXXX, through First Advantage, included an 8 year criminal check. Then they ask for misdemeanor, felony convictions. I had a misdemeanor 24 years ago, which I disclosed, and First Advantage agreed that the background check would include 8 years worth of search, but deceived me. They should have asked for 24 years of information, addresses and searches, if they wanted it. 
Additional failure to disclosure/No space to type response Second : They did not give me sufficient time, and typed space to provide more information about the background information they inquired about. In fact, only one sentence, 75 characters could be typed. I was supposed to be given 7 days to get the information to First Advantage, but after a day, I received a declined offer from the employer. If I needed just 1 day to get the information back in, then it should have been provided and disclosed properly. 

I was required to get a police report for an allege offense in XXXX, which is unreasonable. To get any offense report, you need the date, time and address. Supposedly it happened in XXXX, when I was arrested getting my license renewed at the XXXX. That date would be a good guess, because I was not involved. It is a mistake of false witness identification and that was the difficulty obtaining it. Still, First Advantage gave me 7 days to try, but did not communicate this with their client, XXXX 's, who rescinded the officer before the 7 days had expired. 

First Advantage is a fraud, and deceptive company who set criteria of 8 years for criminal searches, but goes further in the past than that. In my case, they went back 24 years, which was not disclosed on the criminal background questionnaire sheet. My understanding that for background checks purposes, information older than 10 years can not be disclosed to the hiring company, per federal law. 

This is fraud, deceptive business practices, and a clear violation of the FCRA
Product: Debt collection

When we spoke with Credence we authorized a payment of {$61.00} to be applied towards our balance. Then they tried to set us up for an auto debit in the amount of {$1400.00}. We declined that stating we would need to discuss that before committing to a payment hat large. They then asked again which we declined again before they put a manager on the phone. We declined when he also pressured us. We have since received a charge on the account for {$1400.00}.
Product: Money transfer, virtual currency, or money service

A deposit was made to me in the amount of {$100.00} through CASH APP on XX/XX/XXXX. 
After the 5th day not received I went to my mobile device to have the money transferred to my checking account at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 
It never arrived, I immediately called my bank on XX/XX/XXXX and consulted with a service representative who checked my account/transactions and could not find any deposit made to me from CASH APP during that month. I then called CASH APP again and told them what my bank said, they gave me a reference no. to give to my bank which again they looked up, still there was no such deposit made there was nothing they could do because their was no monies/deposit made. I contacted CASH APP again to resolve this issue they finally talked to my bank and are blaming my bank for the funds not arriving to my account and want to wash their hands of this matter and not refund me my money that they have lost. This back and forth has gone on for about 7 weeks to no avail, they are saying there is nothing they can do instead of refunding me my money since it was under there app. I contacted XXXX and CASH APP has only responded that they provided me with information on this issue but not correcting the issue. As of XXXX there is still no refund that I believe they owe me. The first Reference # is XXXX and when re-opened XXXX XXXX  XXXX. Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In    XXXX     of 2017, I w as trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my  credit score  and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it is   making it look like I am way behind on payments. I do call  XXXX  in   XXXX    2017 and they  said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Product: Debt collection

On XX/XX/XXXX starting at XXXXXXXX XXXX  Midland Credit Collections attempted to reach me by calling me 8 times in a row, as per my XXXX call log. The calls came from the same number, XXXX.
Product: Credit card

I had a medical emergency around XX/XX/2024. My Citi credit card was set to auto pay for the minimum payment. In late XXXX, I think around XX/XX/XXXX, while I was in the hospital, I changed my auto pay amount to {$0.00} to make sure my bank wasn't overdrawn. 

On XX/XX/2024, Citi correctly took a {$0.00} auto payment. But then on XX/XX/2024, Citi took an auto payment of {$850.00} and caused my bank account to be overdrawn. 

I never authorized that auto payment. I changed my auto pay to {$0.00} and never changed it back. Citi did not have my permission to take more than {$0.00} out of my bank account.
Product: Checking or savings account

my mother sent me funds from her account to my account via XXXX through Chase bank. Both her and I both bank with Chase. Our accounts are also linked together. She sent me XXXX via XXXX and Chase stopped the fund transaction and also blocked my online access to all my accounts. I was never notified of the blocked accounts until I went online with Chase to pay my bills on line. I call the number that Chase said to call to unblock my account and 2 hours later on the phone they would not unblock my accounts. they put me on hold to check my account for 20 min then hung up, I had to call back and start all over trying to fix the problem with my account. My mother accounts and mine are all linked together so they should have seen this. When I went into the Chase branch the worker called the Chase number and they unblocked my account but for 2 days I did not have access to my accounts online.Chase dose not care about there customer to send a fraud alert to inform the customer that there is a problem with there account. Just leave them in the dark even thought there are many verification Chase use to check a persons identification.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Apelles Address : XXXX XXXX XXXX XXXX, OH XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Apelles I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have an account with synchrony via Ashley furniture. They recently informed me that they were going to start charging me {$2.00} a month to bill me. When I tried the steps to remedy on their website, the account couldn't access my account information. This has been unchanged for weeks. A company trying to collect money should not be able to charge the customer for sending a bill. Then when trying to not incur these charges the steps you are instructed to follow do not work. I have a feeling this is by design.
Product: Credit card or prepaid card

This bank is crazy their recovery office has been closed for weeks they dont bother to help I lost my job and cant pay my Macys card bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to correct the balance on my XXXX XXXX credit card, card has a zero balance and Experian fails to update the balance on my bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Experian refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP