23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is actually a case of BOTH not receiving my bill AND them not applying my payments properly ( TWO TIMES ). It reeks of predatory behavior and the agents I speak to seem to have no idea what is going on short of trying to exasperate me and get me to stop fighting, which I will not do.

On the XX/XX/XXXX, I contacted Citibank regarding my Diamond Preferred Card. I had received a bill stating that I had a past due balance. I spoke to a representative and stated that I wanted to pay my bill in full. I also told him that I wanted to make sure that it hadn't been reported to the credit agencies as failure to pay. He told me he couldn't remove it, so he transferred me to the supervisor. The supervisor was also not helpful.

Two days later, on the XXXX, I received a call from a collection agency at Citibank. They told me I still owed 3600  or so on my card. I explained that I had spoken to someone two days prior and paid in full, she explained that it had not been paid in full and that this might be because I was transfered to a supervisor. I told her not to worry and paid my bill.

Today, XX/XX/XXXX, I received a statement stating I am one month past due and have a {$4000.00} balance. This is including two new, fraudulent charges for almost 600 dollars. I called in and asked why my payment was not processed, and they stated they never received a request for payment.

After 10 minutes of arguing, they stated they have no notes of any phone calls, either. Only a payment for 220 dollars or something. I asked why they would charge me XXXX dollars if I never called in.

After more talking, they explained that I probably did call in and request to make a payment of 220 or so. I explained that I have paid in full every month I have had a bill. I have never paid " minimum '' or " less than balance '' payments.

Finally, the supervisor admits she can see I spoke to the collections department and can see that I had also requested ( on the XXXX ) to pay my bill, but that the system is not letting her waive the interest or late fees.

This is kafkaesque and reeks, again, of fraudulent behavior on the part of the credit card company. The fact that they can let their representatives NOT take proper notes, then put the onus on me ( the person who ISNT in charge of recording and documenting calls ) to prove that I wanted to pay in full is insane.
Product: Checking or savings account

I received a piece of mail from NetSpend, operated by XXXX, XXXX. on XX/XX/year>. It contained a physical debit card as well as an account number, routing number, and my full name. Having never authorized the opening of such an account, I believed someone had stolen my identity and opened the account in my name. I called their customer service to close the account and report fraud. The customer service agent was unhelpful and told me there was no account. Effectively, without saying so explicitly, she indicated that this was simply a marketing tactic.
Product: Credit reporting 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 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My loan service company, NewRez, has not paid my property taxes from my escrow account and continues to ignore my inquiries about the same. Last year they paid the taxes on the same property on XX/XX/2019 so theres no excuse for not paying the taxes this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX, stating that an inquiry was made on my Equifax Credit Report by XXXX XXXX. This inquiry was authorized without my verbal, written or implied permission or consent. 

On XX/XX/XXXX I received a bill from XXXX XXXX with my full name and address for Account number XXXX, XXXX number XXXX, phone XXXX for the amount of {$120.00}. This account was never opened by me. I am a victim of fraud and identity theft. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX and XXXX, but to no avail, as I was on for many hours and then the call dropped, after calling again each time it stated all circuits are busy. 

On XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX. XXXX XX/XX/XXXX, stating that, " While we appreciate your interest, unfortunately we are unable to approve your request. Your request was carefully considered and we made our decision for the following reasons : We were unable to verity your identity. '' Someone has accessed my personal information without my permission or consent and has attempted to open an account with XXXX XXXX. Application number : XXXX, in which I received a letter from XXXX stating that credit was denied. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX, XXXX, email address : XXXX stating that, " Your password has been XXXX due to multiple use of incorrect login details. '' " For your security, we have XXXX your Online banking. '' This is also fraud and identity theft, as I made no attempts to access my online XXXX XXXX  account. 

On XX/XX/XXXX I received a letter from XXXX XXXX, P O Box XXXX, XXXX, Oregon XXXX, stating that on XX/XX/XXXX, they confirmed that an unauthorized intrusion into their computer system was made, resulting in the theft of my personal information. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 

In additon, I believe that I was a victim of identity theft and fraud due to the Equifax computer system breach or sale of information in XXXX. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 
This fraud and identity theft has resulted in my Equifax Credit Score being lowered and is not only causing me financial stress and fear but is also causing me much fear for my life because someone has my full address and may decide to do physical to me and my love ones. 

I am unaware of how to resolve this issue of fraud and identity theft. I am stressed and living with great fear. I need your help in resolving this issue of multiple fraud, identity left, lowered credit scores, and attempts to access my bank account.
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 USC 1681. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received the attached debt collection letter from the local law firm of Hodosh , Lyon & Hammer, falsely claiming that I had an account with XXXX XXXX XXXX and owed them {$12000.00}. The letter asked for a response before XX/XX/XXXX and also pointed me to the CFPB website to learn what my rights are. 

I will send a letter to this law firm denying their false claims, but first wanted to file this complaint after reviewing what the CFPB can do, because I am concerned with the age of this fake debt ( 14 years ) and that it is being pursued anew. I am glad I kept records of the difficulty I have had over the years relative to clearing serious identity theft.

Attached are police reports affirming that I was indeed the victm of identity theft on multiple occasions over 20 years ago. I continually had to fight new charges or new accounts that would pop up and did not belong to me. In early XXXX, I worked with a reconciliation representative of XXXX XXXX XXXX ( XXXX XXXX XXXX  ) to go through two accounts to determine what was my debt and what was the additional debt caused by identity theft. We came to an agreement of two different amounts and I authorized XXXX XXXX XXXX to deduct those funds from my bank account. They sent me two confirmation letters stating nothing further was owed, also attached. 

But a third XXXX XXXX XXXX  account also appeared in XXXX. They alleged I had their " XXXX XXXX  '' credit card ending in # XXXX ( see statement sent to me ). None of the $ XXXX owed was my debt. I never travelled at the time and received no financial benefit from this travel card. I contacted the same reconciliation department who determined that XXXX XXXX XXXX XXXXould provide me no written proof that I had ever personally applied for their " XXXX XXXX '' promotion. ThereforeXXXX XXXX XXXX XXXX  was not authorized to deduct funds for this debt. 

It appears XXXX XXXX XXXX bought the old false XXXX XXXX  XXXX credit card account ending in # XXXX, and hired the Hodosh law firm to falsely claim the debt was originated from them. Again, I have never had a XXXX credit card and am disputing I owe them any money whatsoever.
Product: Credit reporting

I am disputing the following hard inquiries on all my credit reports to include XXXX experian and XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI did voluntarily submit my info to XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.
Product: Credit card or prepaid card

In XXXX and XXXX of 2018, I called one of my creditors which is Capital One.

I was trying to catch my payments up. And as much as I care about my credit. I called Capital one to ask them what will be the minimum payment I need to make before it goes into a 30 day late. For both months I called in, I asked the same question. And for each month they gave me a amount. I made those payments. Came XX/XX/2018, I realized when I go to check my credit, they had both XXXX and XXXX a 30 day late on my credit. I immediately started to contact them about that and told them that was incorrect. If I'm not mistaken, when I called the in one of the Reps told me that It was a different amount that was needed, and not what I paid. I told them I paid what was told to me that was needed to be paid. I asked them on several attempts to check for the recorded phone calls for both months. I've sent letters, over and over again in my defense and they refuse to check the the phone recordings.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit card

I have asked for over 2 yrs to be provided documentation from Fifth Third Bank that the credit card they show on my credit report is valid. Put in disputes with the credit bureaus but none of the XXXX will change the line. I did not sign an applicaiton for joint credit the card was in my wifes name, I have never had a card was not aware of the card. Have asked XXXX multiple times to provide a signed application giving them authority to use my credit or list me as an owner but they have failed to provide a signed app or remove from my credit report.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within XXXX  days. Relevant documents are attached for your review.
Product: Payday loan, title loan, or personal loan

Their daily interest system is not correct and they are taking more money on interest then they should. This has been going on for more than 4 months. 

My annual interest rate is 28.75 % my loan amount on my last statement was {$4500.00}. My daily interest is {$3.00} ( fluctuate depending on principal balance ). I pay daily with all my loans, I pay interest plus extra to go towards the principal, ( this pays the loan off faster ( car loan was paid off 5 months early ). OneMain Financial swap the amounts. Instead they take the large amount and put towards the interest and put the daily interest towards my principal. ex. XX/XX/XXXX I paid them {$20.00} they put {$17.00} to the interest and {$2.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal, XX/XX/XXXX I paid them {$14.00} they put {$10.00} to the interest and {$3.00} to the principal. I called them on XX/XX/XXXX and my call went up to the supervisor, when she finally understood the break down going off of their daily interest formula ( Principal Balance X ( Annual Interest Rate* / Year Count** ) X Number of Days Since Last Payment ( https : //www.onemainfinancial.com/XXXX ), she told me that she will take this to the financial heads and they will get back to me in two days. I never heard back. I called plenty of time before the XX/XX/XXXX and was put on the run around. This is over {$100.00} a month that should have been going towards my principal and my principal should be lower than what it is now.
Product: Credit reporting or other personal consumer reports

I am formally requesting with this letter to remove the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Request for Debt Verification and Dispute Resolution Complaint Reference : XXXX XXXX, CFPB Case # XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Servicer : XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, I am filing a formal complaint regarding the failure of XXXX XXXX XXXX XXXX to properly verify a debt on my credit report and provide adequate documentation to support the claim made by XXXX XXXX XXXX, the current owner of the debt. Despite multiple attempts to resolve this issue and previous requests for debt verification, I have not received any documentation that meets the legal requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here are the specific details of my complaint : XXXX. Inaccurate Debt Reporting : The debt in question, account number XXXX, is reported as originating from XXXX XXXX, charged off on XX/XX/year>, and currently owned by XXXX XXXX XXXX. However, I have repeatedly requested verification of this debt, including the original signed contract, a Bill of Sale confirming the debts transfer, and proof that XXXX XXXX XXXX XXXX is authorized to collect on the debt. Despite several requests, I have not received any of this documentation. 
XXXX. Failure to Provide Documentation : In response to my requests, XXXX XXXX XXXX XXXX has only provided a general account summary and balance, with no proof or legal documentation validating the debt. This failure to provide proper verification is a violation of 15 U.S.C. 1692 ( g ) of the FDCPA, which requires that debt collectors provide a complete validation of the debt upon request. 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to ensure that any information reported is accurate and verifiable. As XXXX has failed to validate this debt, the information remains inaccurate and should be removed from my credit report. Additionally, XXXX XXXX XXXX has failed to provide the necessary documentation to establish their legal right to collect and report this debt. 
XXXX. Request for Immediate Removal of Debt : Given that no proof of this debt has been provided and the information continues to be reported inaccurately, I am requesting that this alleged debt be immediately removed from my credit report and from any other credit reporting agencys records. 

I have already sent a formal letter to XXXX XXXX XXXX XXXX outlining these concerns, but as of today, no satisfactory response has been received. I am requesting that the CFPB intervene in this matter to ensure that my rights are protected under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I kindly ask that you assist in resolving this matter, ensuring that XXXX XXXX XXXX XXXX provides the required documentation or removes the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.