23daVinci/CFPB_Complaints huggingface dataset:
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 my privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account Number # XXXX, Has violated my rights. 

XXXX XXXX XXXX Account Number # XXXX, Has violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX, Has violated my rights. 

XXXX XXXX Account Number # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) States : 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: Credit reporting, credit repair services, or other personal consumer reports

The information reported is inaccurate. It is hurting my credit and in turn, hurting my lifestyle. Please get the following hard inquires removed. 

XXXX XXXX inquiry date : XXXX phone : XXXX XXXX XXXX inquiry date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date Phone : XXXX
Product: Checking or savings account

I opened a US Bank Smartly Checking account online on XX/XX/2023, with an opening bonus of {$600.00}, which I should make more than {$10000.00} direct deposit within 90 days after the account opened. I actually made more than XXXX direct deposit by XX/XX/XXXX but did not get any bonus. 
I called US Bank on XX/XX/XXXX and was told I should receive the bonus by XX/XX/XXXX. However, nothing happened, and I called back on XX/XX/XXXX and was told to receive it by the end of XXXX. However, nothing again. On XX/XX/XXXX, I spent another 1 hour speaking with them and was told I should receive it no later than XX/XX/XXXX. I called another two times after that, and every time I heard a different story and was kicking around like a ball, I was kept transferred around but everybody told me a different story sometimes they told me someone will call me back the next day. However, I never receive the call back nor receive the bonus which I should receive. 
It's really frustrating and to me a huge mental health burn.
Product: Debt collection

XXXX XXXX XXXX  based in XXXX XXXXXXXX XXXX has filed a lawsuit in XXXX XXXXXXXX XXXX against myself ( XXXX XXXX, formerly XXXX ) to collect a debt ( that I believe I may actually owe ) without ever contacting me. I have received no mail, no calls, and no emails from them. Ive still not even been served. I only found out about this filing because I received a letter from an attorney offering their services to fight the case. I have now made 3 attempts to contact this debt collector- twice by phone, once by email, and have not yet been able to speak to a human being ( I reached voicemail for both calls ). This company is making no attempt to collect the debt in a reasonable manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written to Equifax as the name XXXX is listed on my credit report. XXXX is not my name and Ive never gone by that name. Ive sent them my Drivers License and Social security card to no avail. Equifax is the only bureau with this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( XXXX  : XXXX XXXX  : XXXX ) XXXX ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX  ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX XXXX ( XXXX  : XXXX Transunion : XXXX ) XXXX XXXX   XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX XXXX TN ( XXXX  : XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX ) XXXX XXXX  XXXX ( XXXX   XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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: Debt collection

XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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 # ( private case number ) as proof from the XXXX 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 card

Dear CFPB Representative, I am filing a formal complaint against Citibank regarding the handling of my closed credit card accounts and their continued billing practices, which have caused financial hardship and distress. 

I previously held two accounts with XXXX XXXX XXXX ThankYou Preferred ( ending in XXXX ) XXXX  XXXX Preferred ( ending in XXXX ) Both accounts were closed due to late payments. However, I have been making monthly payments, including late fees, yet Citibank has denied me access to my credit usage. This has resulted in a situation where I am unable to track payments, leading to missed payments and further interest charges. 

Since my accounts are closed, I am unable to access the Citi app or receive account alerts via email. 
This lack of communication has led to me missing payments, incurring additional late fees, and incurring interest charges. 

I previously filed a complaint about this issue, but XXXX response was inadequate. They offered me a mere {$40.00} credit, which does not address the ongoing billing issues. 
Poor Customer Service and Denial of Account Settlement : I have attempted to call Citibank to settle my remaining balance and close the account permanently. However, their customer service representatives were extremely rude and unwilling to provide a resolution. 

I was simply trying to settle my debt, yet I was met with unprofessional treatment. 
Request for Resolution : I have already paid off one of my accounts, and I am seeking to settle the balance on the second account.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
Product: Mortgage

Following a payment to avoid foreclosure my statement dated XXXX XXXX 2015 showed a balance due on XXXX of - {$150.00}. The following statement dated XXXX XXXX 2015 shows a past due amount of {$3000.00} and total due of {$5600.00} despite the prior month not having a balance due. Due to this statement error in XXXX, my payments have not been applied correctly, and I am currently showing as 30 days delinquent. 
I contacted the loan servicer when I noticed the error on XXXX XXXX 2015 and was told that they are unable to see the statements and that I must resolve the matter via email. I followed the instructions and sent the email with the attached documents on XXXX. Since then I have not received a communication from the loan servicer regarding a resolution to the matter. I believe a month and a half is more than enough time to get this resolved. 
I called customer service again today regarding the matter and requested to speak to the department noted in the last email as looking into the matter ( payment department ). I was informed that I am unable to speak to someone in that department.
Product: Debt collection

XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2600.00} reported on XX/XX/22. I never signed a wet contractual contract with this company nor have an opened account with this company
Product: Mortgage

I am trying to resolve a issue with Mr Cooper AKA Nationstar Mortage I have a balloon payment due at the end of my loan I have tried to transfer the funds to pay this off on 3 occasions and the payment has not been accepted. They are treating to foreclose on the home but I have tried to get them the funds. 

I am hiring a lawyer to help me with this process.
Product: Student loan

Years ago I was having trouble making payments, and was advised by Navient to do forebearance. They told me that the interest would be tagged on to my loan. After the forebearance ended, they said 6 months of missed payments were due. My loans are still past due with over {$17000.00} due right now and in default. Not only was it impossible to pay, but the fees just keep piling up and they refused to do anything about it when I called. Get calls about 8-10 times a day, collection letters from them and another collection agency, and can't even start to get out from being underwater. To be honest, the only thing keeping me from having XXXX XXXX is that they would go after my mom if I did. They also call and harrass my sister, and she isn't even on the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped considerably since XX/XX/XXXX. I have no past due payments. I filed a dispute with Equifax on XX/XX/XXXX. Results of this dispute were provided on XX/XX/XXXX. The results only referenced past due to which, I don't have any. I called Equifax XX/XX/XXXX at XXXX EST XXXX  ad was advised there are other factors i.e. : length of time having the account etc. This particular factor length of time makes no sense to me as my score went down as this duration of time was extended. I am assuming these factors apply to XXXX  and XXXX as well.
Product: Credit card

On XX/XX/year> I signed a contract for a membership at a XXXX XXXX. A down payment was made at that time of {$32000.00}. That contract was cancelled in person on XX/XX/year>, and a new contract was signed the same day, XX/XX/year>. The cancellation of the first contract was written into the second contract, and the down payment originally made for the first contract was applied then to the second contract.

After arriving home, we decided to cancel that second contract as well and submitted an email requesting cancellation and refund. We received a receipt email from the resort, but no communication beyond that. After 15 days, I submitted a dispute with Capital One that the charges were no longer viable as the contracts were cancelled within the timeframe allowed ( 5 days ). 

Capital One accepted the email cancellation request of the second contract, but stated the document within the second contract that states that the first contract was cancelled was not legitimate and was not proof of cancellation of the first contract. I argued that since the contract was generated by the resort and signed by me, the cancellation was clear and should be accepted as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act FirstProgress # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open/closed end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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: Credit card

I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on XX/XX/2016 in the XXXX was that a double payment will be made by the end of the day ( we fulfilled on our end ). On XX/XX/XXXX, at XXXX I received an email dismissing what the agreement was. On top of already charging a late fee of {$37.00} and an interest of almost {$140.00} - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to fulfill on my end when I did. Makes me, the consumer, feel irresponsible and out of compliance. I did call Citi and the customer service rep did not seem to care.
Product: Credit card

I am living in XXXX XXXX and I purchased an XXXX XXXX business class ticket from here to XXXX in XXXX. When the purchase process navigated me to the payment page, an ad from Citibank for a Citi/AA Advantage Platinum Select World Elite Mastercard appeared . It offered me a {$250.00} flight credit for applying that minute and showed me the price of my ticket, the {$250.00} credit and the new price of the ticket. Since I could get {$250.00} off my ticket price I clicked, applied, and was approved right away ( account ending in XXXX ). Unfortunately, the approval page then stated that I could only use 10 % of the approved credit limit that day, meaning that I could not pay with the new credit card and not receive the {$250.00} card credit. I called regular customer service, and they could not help me. Of course, I could not wait to purchase the ticket until I got the actual card in the mail ( around a week ), as I would lose a very good price for my ticket. So I had no choice but to purchase the ticket with another credit card. 

It is unethical and bad business practice to create an ad that promises me - showing the accurate math - the advantages of applying for a product and then switching the terms after I've agreed to use the product.
Product: Consumer Loan

Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.
Product: Mortgage

Having graduated with a XXXX  XXXX, I've taken time to reconcile payments made to Ocwen vs the A/R provided. What I discovered will be missing payment from XXXX thru XXXX on the XXXX mortgage. Please provide a complete record of all payments made on account # XXXX from XXXX thru XXXX. Should you have additional questions, please feel free to contact me. 

XXXX mortgage is being address by the DOJ. 

Thank you for your prompt attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( home ) XXXX ( cell )
Product: Debt collection

I mailed a debt validation letter to Nationwide Recovery on XX/XX/2022. According to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX the letter was delivered on XX/XX/2022. As of today I have not received any validation of this debt from this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I am now in loan modification for XXXX month. But I dont want this because this the only bad option I had. I got help from XXXX XXXX in Illinois. And XXXX will help me next month and will pay all my debts
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX trade lives and XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).