23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CMRE Recorded my confidential communications without my permission. It has been over 30 days and they have not responded to my authorized Represenative. No lawsuits have been filed yet.
Product: Credit reporting or other personal consumer reports

XXXX Account Number- XXXX I recently reviewed my credit report and noticed that it was not reporting accurately. I never even used this credit card. The consumer reporting agencies need to report all information with complete accuracy. This account has never been because I never used it at all. I'm now requesting you investigate this account and update to paid /never late or just delete this account from my credit report immediately. thank you for your under standing and prompt action
Product: Checking or savings account

In XX/XX/XXXX I noticed money was taken out of my account at capital one from XXXX XXXX  from XXXX XXXX so I called the bank and made a complaint with the fraud department so they told me that this has been happening since XXXX of XXXX I told them that I don't know a XXXX  XXXX and I didn't authorize any transactions so they told me I would have to make another complaint because they was trying take money out of my account when I was on the phone with the fraud department and the amount was over {$3000.00} so at the end of the investigation they said they didn't see anything wrong and I couldn't get my money back and they was going to close the investigation. So I ask why was the name XXXX XXXX on the statements was which to my name after I made a complaint I wasn't getting any answers so they finally told me that it was a glitch in there system and the investigation was closed and it's nothing that they can do about and they are sorry that this happen. I tried to get them to reopen the investigation but they wouldn't. I didn't know who to contact to try and get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXXBalance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX  XXXX BalanceOwed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$310.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I created a free account with Experian and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX  XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Product: Bank account or service

I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. When I called to set up the account I confirmed with the customer representative that the promotion would apply if I met the criteria. I then met those criteria and expected to receive the XXXX AAdvantage miles by XX/XX/XXXX ( 90 days after the end of the billing cycle in which I met the criteria ). During this time I was charged three monthly service fees of {$30.00}. Now, after opening the account with the promotion and meeting the requirements Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$90.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Debt collection

Filing an Official Complaint Against I.C. System, Inc, account # XXXX I would like to file this complaint against due to the following : 1. XXXX, I established an account with XXXX XXXX company. I received an Agreement with no beginning or expiration date after I was told the contract would expire one year after the date of the agreement. 2. I met the verbal agreement. . 4. At the end of the one year, I returned all equipment at the local XXXX XXXX Office and asked the representative to note that I had returned the equipment and to close this account ; yet I was told the account could not be closed because it was a business account. 5. Since XXXX continued to bill me, I wrote two letters to XXXX and asked that they cease billing me and to close the account. I was told by XXXX they received the letters but unless I sign an early termination agreement, the letters were irrelevant and the account would remain open. The early termination document was sent to me via email and was rescinded promptly when I refused to sign it. 6. The local XXXX XXXX company, Executive Customer Relations Specialist, at XXXX, responded that I had a fee for early termination fee in the amount of {$790.00}. I disputed this balance as explained above. 8. XX/XX/XXXX, nearly three years later, XXXX has forwarded this account to a collection agency ( IC System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ) which I find to be a defamation of my character and fraudulent in an attempt to collect an erroneously alleged debt. In summary, XXXX, I was informed this account has been settled.I ask that you intervene on my behalf. As a citizen for nearly seventy years, I take my financial responsibility seriously to ensure I meet my obligations. The business practice of XXXX described above is unethical, unfair, and egregious. I ask your assistance in resolving this matter and clearing my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted American Express, to dispute the validity and balance of their alleged account under the Federal Fair Credit Acts. They received the notice, via Vertified USPS ( XXXX ), on XXXX, XXXX, XXXX. I did not receive and documents within 30 days. But, American Express, continues to report to credit agencies a valid account exist to credit reporting agencies, instead of deleting that information as requested. Please see the attached validation letter and receipts.
Product: Checking or savings account

About complaint XXXX. I never made the payment I say and the payment is unauthorized and here is my cash app dispute chat number is XXXX and y'all read the wrong chat history didn't read the right chat and y'all also closed my account for no reason when I kept complainting to y'all about my dispute and I also want my account to be reopen and my dispute filled and also credit my money back to my cash app account here is my dispute information again 1. What is your legal name, $ XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX $ XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX $ XXXX  {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Product: Credit card or prepaid card

XXXX XXXX XXXX, for the last two years my account has always been paid on time no late payment or issues on my end. However, XXXX XXXX XXXX, has closed my account inadvertently creating a problem on my credit reports an account as being stolen, when all I asked for was a replacement card. Now XXXX XXXX XXXX, after reporting my identity was stolen and used and being a victim of identity theft they immediately dropped my limit from {$4000.00} to {$360.00} creating a credit usage of 98 % literally overnight. I had to move all my accounts to another bank and waiting for my direct deposit to be transitioned. I asked for more time and they now keep repeatedly contacting me on a auto dialer. MY CREDIT REPORTS will reflect changes for a few months as I resolve the identity theft as other banks change out my cards and account information.
Product: Debt collection

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Product: Credit reporting or other personal consumer reports

{$1900.00} Account Number XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX MN, XXXX Creditor Name XXXX XXXX XXXX Industry Type Other Collection Agencies I HAVE NO IDEA WHAT THIS IS? IF IT IS RELATED TO A PHONE, NOTE I HAVE A PRE-PAID CELL PHONE SERVICE. I PAY FIRST THEN GET SERVICE FOR THE MONTH. REMOVE FROM ALL MY REPORTING AGENCIES, XXXX, EQUIFAX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment information that is being reported on my credit report by EXPERIAN with XXXX XXXX After reviewing my credit report, I discovered that this account is incorrectly marked with late payments for the months of XX/XX/year> AS A LATE PAYMENT. WHE N THE OTHER CREDIT AGENCIES ARE REPORTING OTHERWISE I firmly believe these late payments are inaccurate for the following reasons : I WILL ATTATCH A SCREEN SHOT WITH THIS REPORT According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate information reflected on my credit report. Since these late payments are not accurate, I request that they be thoroughly investigated and promptly removed. 

I kindly ask that you contact EXPERIAN to verify the accuracy of these late payments, and I request that you take appropriate action to ensure that my credit report reflects only accurate information. 

I appreciate your attention to this matter and trust that this issue will be resolved promptly.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX | XX/XX/year> : These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and XXXX  regarding gross inaccuracies on my credit report. I have yet to hear of the results or even have my inquiries responded to to date
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a statement requesting a verification or proof of the alleged debt accounts and a copy of the original agreement signed by all parties involved related to many fraudulent accounts reported on my credit report. I have sent many requests disputing those accounts since I have been a victim of an Identity Theft. 
My information was sold and bought illegally because I was a victim of the XXXX, XXXX, XXXX and XXXX data breaches. After disputing many times with XXXX, XXXX and Transunion these accounts are continuing to be verified confirming that these accounts are my responsability. The accounts disputed with the credit bureaus are : Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$470.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$840.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$470.00} Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$510.00} Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} Account Information : Creditor Name : XXXX XXXX. 
Account Number : XXXX Amount : {$1100.00} Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Amount : {$270.00}
Product: Credit card or prepaid card

In XX/XX/2021, I submitted a check electronically through my bank account to pay the balance in full to Comenity Bank for my XXXX credit card. In XXXX I received a statement and the same balance was showing that Id just paid the prior month. I check my bank account and the check had cleared my account. I contacted Comenity Bank to see what they had not posted my check to my account. They said Id have yo dispute this and it would take a while to correct and that Id need to continue to make monthly payments until it is corrected. About 30 days later I received a letter from them asking me to send my cancelled check which I did right away. A few weeks later I received another letter stating they received my cancelled check. Today I called Comenity Bank to follow up I spoke to three people who were no help whatsoever! My question to them is why did they not update my account when they received my cancelled check but have chosen to continue to require monthly payments and charge me interest in the meantime. The response was that I need to wait until they research it. Which is not my problem. They can clearly see I did my part!
Product: Student loan

Citi bank continues to report on my credit with negative history. I have already submitted a early claim against them and they continue to report negative and destroy my credit score.
Product: Money transfer, virtual currency, or money service

I download it to binance us app on or around XX/XX/XXXX I went through the process of identifying myself with my ID and photo / selfie I was informed my basic identification what's complete so over the over the next few weeks I loaded money on the app using a XXXX XXXX ATM so as the value went up and my situation changed I wanted to withdraw my funds then realizing there was another step to the advanced verification process so I have to repeat the first two on top of adding financial statements from my bank but I can't do the third step does my account has been pending for weeks I get no help from customer service and I need my assets
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/2012
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My loan number is XXXX, and I attached three documents : 1. The first document is a response from XXXX XXXX through the CFPB. The bank indicated that the payment was successfully sent to American Express. 
2. The second document is a letter from XXXX XXXX indicating the payment was sent successfully on XX/XX/year>, and the trace number. 
3. A letter from American Express mentioned the company needed help locating the payment. 

I communicated with American Express on XX/XX/year>, when I noticed by American Express that the company had yet to receive my payment ; therefore, on the same date, I agreed with American Express payment center to ACH for the amount of {$800.00} payment to process my bank account. Three supervisors from the American Express payment system investigated the missing payment since XX/XX/year>. 

In addition, American Express did not charge a late fee, which I am very thankful for. 

Since American Express has the date, payment amount, and trace number with a confirmation from my XXXX XXXX, I am asking American Express again to investigate and help me, a good-standing customer, locate my {$800.00} payment and credit my personal loan account. I hate to file this issue with American Arbitration due to the payment missing and my frustration for almost one year. I intend to locate my hard-earned money that I made payment to American Express . 

Thank you, XXXX XXXX
Product: Student loan

Navient has been reporting so many outstanding accounts and balances to all 3 credit bureaus, XXXX, XXXX and XXXX. I have reached out to Navient on several occasions to find out why my balances continue to reflect negatively and continue to increase drastically. I received an alert from XXXX XXXX that my score decreased because of this. When I contacted Navient, I was told that my account was months past due for nonpayment. I asked when the account went into repayment status and why I wasn't sent any notices in the mail. They advised me that they'd been sending everything via email and calling the references listed on the account. I advised them that legally, they were supposed to contact me via US Mail as well. The rep confirmed that they could see that I hadn't signed into the online Navient portal in over 5 years. I requested that they remove all other names, phone numbers, emails and contact methods that they had listed on the account for me. I asked them not to automatically add any additional phone numbers that I might call from without my permission. I asked them to only send correspondence related to my loans to my mailing address. I requested that they send me all of my loan accounts and the originator of the loans. I asked them to send me all loan contracts that had ever been initiated with them which includes the school, start date, amount and terms. I asked them what my options were for forbearance, hardship and deferment. They ignored all of my requests and continued to send correspondence via email even though I advised them that I didn't have internet service at the time. They started harassing and calling everyone 's phones who I had previously contacted them on even though I told them that I didn't have active telephone service at the time. I also told them that the numbers that I was calling from was not my numbers and not to add them as contact numbers for me. They have not sent the files for my loans. They denied my request to start hardship deferment. My rights and requests were ignored and violated. Every time I call them, they add the phone number to their contact list and begins to harass and call the person 's phone as early as XXXX XXXX  and as late as XXXX XXXX. They call more than 3 times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.