23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is still showing account balances for two accounts that I have paid in full, and are now closed. One with the XXXX and the other with XXXX.
Product: Checking or savings account

I was giving a job opportunity from XXXX to work from home I filled out the information for the employment contract they started sending me checks for me to deposit and send to the vendors which I did I called my bank and had a wire to the vendors only from my bank USAA to come back and tell me after we wired five checks that they were insufficient we were able to stop three other checks from going through but the other ones had went through and now the bank is stating that I am responsible for the negative amount in my accounts seeming those checks were insufficient. I spoke to the bank USAA and told them because they are an FDIC arent my insured for this and they said it is now my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX  and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Product: Credit reporting

In 2010, My identity was stolen and used to receive {$4000.00}. under a school loan. ( see attached documents ) Equifax, is refusing to remove accounts asserting they 're " verifying my dispute as accurate '', however I 've sent document 's proving my position and dispute to them. Yet have failed to provide me with a copy of any viable evidence as such. I 've advised repeatedly via certified mail over a dozen times that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Requesting the name, address, and telephone number of each person contacted at U.S. DEPARTMENT OF EDUCATION regarding this alleged account. I 've explained : The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Equifax continues their noncompliance violating : ( see 15 USC 41, et seq. ). Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Product: Mortgage

I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.
Product: Credit reporting or other personal consumer reports

I Equifax a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.XXXX  account number XXXX was deleted from my XXXX  credit report but not my Equifax how is that possible
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Debt Recovery Solutions regarding an account being reported on my credit report under account number XXXX. I was never notified of this collection account, and I do not believe the debt is accurate. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt. Debt Recovery Solutions has failed to provide the necessary documentation proving the validity of this account. Specifically, I am requesting : A detailed explanation of what this alleged balance is for. 
A complete audit trail and payment history of this account to verify accuracy. 
Documentation proving that I agreed to pay this debt, including my signature and authorization for Debt Recovery Solutions to collect and report this debt. Unauthorized use of my personal information, including my Social Security number, constitutes identity theft. 
The agreement that grants Debt Recovery Solutions the authority to collect on this debt. 
A copy of the companys state license and license number, confirming the legal right to collect debts in my state. 
The purchase agreement related to this alleged debt. 
A sworn statement, under penalty of perjury, that Debt Recovery Solutions was present during the creation of this alleged debt. 
A documented chain of custody for the account, ensuring that all financial transfers have been properly executed. 
The Master Bill of Sale to validate the ownership of the debt. 
Additionally, Debt Recovery Solutions has violated the Fair Credit Reporting Act ( FCRA ) by reporting information that is inaccurate or failing to report information correctly. The company has also committed multiple FDCPA violations, including : 15 U.S. Code 1692d Engaging in conduct that harms my reputation, which is a violation of harassment and abuse protections. 
15 U.S. Code 1692j Furnishing deceptive forms that falsely imply participation in the collection of a debt. 
15 U.S. Code 1692k Civil liability for damages caused by non-compliance with the FDCPA. I am demanding {$1000.00} per violation as permitted by law due to the harm caused to my character and financial standing.
Product: Payday loan, title loan, or personal loan

Calling my parents house for a loan I dont any money to. Who like for the unwanted calls to stop if theres nothing I owe.
Product: Debt collection

I keep getting unknown report on my credit report about me owing some kind of debts to these unknown companies I been a victim of identity theft in the past which I have reported and have actually visit a law enforcement agency to report my current situation. Just today XX/XX/2021 have received on my credit report a collection notice and yesterday was the same thing both for XXXX and the other is for XXXX XXXX XXXX  in which I bank with XXXX XXXX can you please assist me on this situation please
Product: Credit card or prepaid card

I filed a complaint with Comemity Bank almost a year ago about a defective air conditioner that I purchased from XXXX. I never received any correspondence regarding the dispute and every time I called it the dispute had still not been worked in over 6 months. I spoke to several managers who said that they would escalate my concerns. After I didn't hear back again I don't try the XXXX XXXX XXXX. Comemity never set the charge aside and continued to charge the disputed amount plus interest. XXXX promised to refund my money after numerous complaints but never sent through with it and they gave me a nonworking number for the manufacturer. Comemity never acknowledged my dispute until after my complaint and the letter they sent does not pertain to my dispute about a defective item. XXXX has violated the credit card agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.
Product: Credit card

I have had an account with Macys for a few years. I have not used the card forever. I called them XX/XX/XXXX 2015 to update my new address because I moved. They said it was updated. The other day. XXXX/XXXX/15, I had my credit pulled and they are reporting me 90 days late. I called them, the same day to resolve this, and they said all the statements had got returned because they have the wrong address. They advised me it was their error and they removed all the fees and fixed my account. They said they would remove he lates from my credit due to their error as well. I called back XXXX/XXXX/15 to ensure this had been done & they advised me they will not remove the lates from my credit because I should have called them to ensure my address was changed. Why do I have to call back to ensure my address is changed? I changed it with them and all my creditors in XXXX 2015. It is not my fault they did not update it correctly. This is not my fault and they have admitted it to me and fixed all the other issues, the lates on my credit are a part of the same issue & need to be removed as well. I am never late nor have I been late with them or any other creditors.
Product: Checking or savings account

XX/XX/2021 I mobile deposited a large check in my account indorsed to my sister they flagged my account and froze it untill my security appeal was approved .after the approval I was told to drive back down with my sister and our IDs we done that my sister was recently divorced so her named was back to her maiden name on her I'd well they requested divorce decree for her so we went got that the. At XXXX XXXX after honestly being there all day was told they needed more proof that was three months ago I've done security appeals everything being approved as they ask of me to get the funds released to myself and sister LITTERALLY have to drive 3 hours away to a branch sit their all day with the documents they required to be told at approximately XXXX XXXX  closing time that the documents they requested were not actually good enough now that I finally got them this has happened twice I've followed and complied completely with them to be treated like complete garbage when I got their my self and sister were both rudely spoken to as well as pushed back in line several times very very bad customers service when ask to have a supervisor we were told there was not one there this is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2200.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$150.00}, {$150.00}, {$1600.00}, {$800.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 XXXX  XXXX. See Also 12 XXXX XXXXXXXX ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXXXXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

10. I.C. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

14. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} .00 -This is not my account.
Product: Debt collection

Because of a XX/XX/XXXX hospital stay and a billing error, bills were sent to XXXX instead of the V.A.  where I have 100 % coverage. I submitted a dispute to the V.A. to pay this bill on XX/XX/XXXX and again on XX/XX/XXXX. I am still waiting to hear from them. On XX/XX/XXXX XXXX Flagged a PMAB llc account to my credit report in the amount of {$1300.00}. It went right to collections without any notice to me. I was not given the chance to notify them it was being disputed. I also wasn't notified when XXXX flagged my credit report on XX/XX/XXXX. Therefor I wasn't aware until XX/XX/XXXX when I was flagged the second time. I feel this is in violation of the Fair Debt Collections Practices Act.
Product: Credit card

I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action.
Product: Checking or savings account

Citibank locked my checking and savings accounts after I opened them online in XXXX oXXXX XXXX They never informed me when they locked them nor why they locked them. I found out when I attempted to make a transaction and I couldn't. I chatted online with them and also telephoned them and I was told the issue needed to be resolved with their fraud prevention team. I had no Idea why this happened. I have tried many, many times to resolve this issue to no avail. They keep telling me that I need to be fully verified first before they can acknowledge that they are talking to me. They attempted to send a text to my cell number so that would verify my identity. I have a prepaid cell phone ( XXXX XXXX plan because I only use it for emergencies and I don't want to spend a lot of money for a monthly plan. Apparently, my prepaid cell phone does not work for getting their verification texts. So, they tell me there is nothing they can do. I tell them they could verify my identity any other way and they say they can't because they are using a third party verification. So, I keep getting no where and they have my money and I don't have access to it. Then, one supervisor told me to go to the nearest branch ( 40 miles away in XXXX, NJ ) with 2 forms of Identification and they would unlock my accounts. My son and I went to the branch with many forms of identification. The Citibank banker called the fraud prevention team. We were there for longer than 45 minutes during this Covid pandemic ( I am XXXX years old! ) and the fraud prevention team told the banker that they wanted to sent a text to my prepaid phone which I've already explained does not work. Even the banker at the branch became frustrated with this fraud prevention team. He told them " the account holder is sitting right here and has several forms of ID '' again to no avail. The banker then had an Idea. He changed the cell number in my profile to my daughter 's cell ( not a prepaid plan ) and told me to wait a day for the system to update, then call fraud prevention in a day or two. I did and still no good - I'm guessing because he changed my profile while my account is locked. I keep calling and calling and Citibank keeps giving me the run around. They have my money and they won't give it back! I am an XXXX year old woman and I need this money. The other day, I called the branch manager at the XXXX, NJ branch and he told me there is nothing he could do. I asked him if I'm just supposed to let Citibank take almost {$16000.00} from me? His response was that perhaps in a few years the money could be claimed on behalf of my estate. I can not believe this. How could Citibank just STEAL my money like this? This is criminal and ELDER ABUSE. Please, Please help me!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/year> : I realized my {$200.00} XXXX auto payment ( minimum payment due {$63.00} ) was split out significantly and Home Depot applied portions to separate charges that were not due. 

The balance due on my revolving ( interest ) was {$120.00}. They only applied {$62.00} to this balance and charged interest the the remaining amount ( for the XXXX month ). They applied the remaining payment portion of {$130.00} to charges that were not due until XX/XX/XXXX and XX/XX/XXXX. 

When I called and spoke with manager at customer support, I was told they will not/ can not apply my payment to the revolving even if I request it. Their 'system ' spits payments to balances due up to 2 months 'before " the due date and there is nothing I can do about that. At this point, I don't know how I can eliminate my revolving balance 100 % quickly based on how they apply my payment, except to pay 2 months early on my other balance -- which I do not want to do. 

According to what I read under the Credit Card Act, " Credit card companies must apply payment amounts " in excess of the minimum payment amount '' to a consumer 's highest interest rate balances first. '' This would be my revolving credit portion of the account. Why are they not doing that? 

I mentioned this to the customer service manager and he said they are applying them according to their terms and could not change it. I've been a cardholder with Home Depot for years, and have never had this experience. I'm wondering if their 'terms ' have changed in the fine print.
Product: Checking or savings account

I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine. 

4. Identity Theft TD AUTO FIN Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XX/XX/XXXXAccount Number : XXXX This is not mine. 

7. XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting

I have contacted the company on several occasions to add account to my credit report.