23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I provided details of the accounts and the violations. Its been over 30 days, and I have not received a response. Copies of all dispute letters are attached. 

This company has violated FCRA Section 623 ( a ) ( b ) by not marking the disputed account as 'disputed. ' Additionally, FCRA Section 605 ( c ) has been violated, as the last activity date is incorrectly reported instead of the actual payment date.

Furthermore, the company has failed to validate this collection account, violating FDCPA Section 809 ( b ) per FTC guidelines.
Product: Credit card or prepaid card

XX/XX/XXXX To Whom It May Concern, During XXXX I was in Home Depot buying some window blinds. The Home Depot cashier told me that if I opened a Home Depot Citibank credit card, I would get a discount on the blinds. I said yes, filled out the forms and bought the blinds with the card. The total cost of the blinds at that point was {$89.00} I did not receive a statement for the Citibank credit card until XX/XX/XXXX. At this point Citibank had posted a Late Payment of {$62.00} to that account. I believe that is a % XXXX late charge for XXXX months, or XXXX percent for the year. I wrote the Citibank Credit Card office a letter saying that this was the first statement received, that I was sending a check for the amount of the blinds and asked them to forgive the Late Charge because I didnt receive notice for XXXX months. If Citibank had sent a timely statement ( within 30 days XXXX, for sure I would have settled that account immediately. 

Today, XX/XX/XXXX, I am receiving XXXX to XXXX calls per day about a XXXX XXXX that in less XXXX months has grown from {$62.00}. to {$170.00}. The calls are always Robocalls and at no time is there an opportunity to speak with a human representative. 
The increase looks like this : XX/XX/XXXX : {$62.00} XX/XX/XXXX : {$87.00} XX/XX/XXXX : {$130.00} XXXX an increase of {$45.00} in XXXX month XXXX XX/XX/XXXX : {$170.00} XXXX an increase of {$46.00} in XXXX month XXXX These are Late Charges on top of Late Charges. This is at the very least predatory lending. To charge a late fee of {$170.00} on an original bill of {$89.00}, XXXX even an amount that was paid in full within XXXX months XXXX, and then tack Late Fees onto Late Fees is nothing more than an invitation to take advantage of customers. This should in no way be allowed. 

I believe that Citibank intentionally delays the original statement in order to start the Late Fees rolling. This is essentially a scam and should not be tolerated. 

I would appreciate your help in this matter. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a  minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. 

I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. 

Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX  XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.
Product: Credit card

I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit card or prepaid card

On XX/XX/2019, I shopped at XXXX XXXX retail store at XXXX XXXX XXXX XXXX Texas XXXX  As I was checking out I was offered to sign up for a new "rewards" program.  I was misled - this was in fact a credit card application.  I had no intention of signing up for a store credit card and I paid for my purchase with my XXXX XXXX  Visa.Since XXXX XXXX, this store has tried to open a credit card account 2 more times in my name.  I have contacted Synchrony Bank, which issues the card, to notify them that this application was unauthorized.  I have filed Fraud Alerts with the 3 major credit agencies.I believe XXXX XXXX. is guilty of unfair credit practices and I would like the FTC to investigate this claim.  I don't want anyone else to be a victim of this type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Since XXXX of the options is a payment deferment, I requested that option. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Last XXXX digits SSN : XXXX I called on XX/XX/2024 and spoke with Account XXXX XXXX. XXXX said she updated my financials and sent the request. 

XXXX also stated I was not eligible to extend the foreberance any further since it had already been XXXX  months. 

On XX/XX/2024 I called back and spoke to Account XXXX XXXX who stated No request was received and I needed to update the financials again? This is horrible customer service. She also stated that Bank of America only offers loan modifications, albeit I received a letter from Bank of America stating a payment deferral is an option. 

At this point, it appears there are inconsistencies throughout Bank of America. 

First financials were updated with XXXX then XXXX says your records show nothing updated and I would need to start all over again.
Product: Checking or savings account

XXXX / XXXX Dispute - XXXX Sequence of Events : XXXX. Personal checking account showed pending charge for a cancelled subscription from XXXX. Subscription definitely had been canceled but original subscription should never had been charged to personal account. Was setup to go to business credit card. 
XXXX. Immediately checked XXXX account saw they failed to cancel subscription, immediately recanceled. 
XXXX. Checked with bank, was told to place stop payment on charge. Did this but charge still went through. Money was deducted from checking account. 
XXXX. Contacted Wix, asked for refund, XXXX said chargeback was issued by bank, that they had never received any funds and that I needed to file case with bank! 
XXXX. Bank investigated, temporarily refunded money to account, all was well! Bought new discount account with XXXX. 
XXXX. Notified by bank that further investigation was not in my favor and that my account would be debited again on XX/XX/XXXX. 
XXXX. Contacted XXXX, they said to contact vendor. 
XXXX. Contacted Wix again asking for refund, XXXX reverified that the bank issued a chargeback in the beginning of this mess and that they never received a XXXX from XXXX. 
XXXX. Contacted bank again, they verified money had been sent to XXXX. 
XXXX. Multiple calls, texts, messages later XXXX verified my claim, said all had been resolved and that I would receive a refund. That was several days ago! 
XXXX. XX/XX/XXXX, contacted XXXX again to check on refund status, was told to contact my bank. After providing a lengthy history and documentation was told I will receive resolution within XXXX hours! 
XXXX. In the meantime, I am out of {$380.00} in my personal checking account, this has been going on for over a month and I have lost hours of my time and brain cells. 
XXXX. XXXX weeks ago USAA said they reopened the case and are reviewing it. They indicated that they would be deciding in my favor and urged 'patience '! I have heard nothing from them!!!
Product: Credit card or prepaid card

Received notice from credit report XX/XX/XXXX and contacted Synchrony Bank identify theft and XXXX still has not resolved. XXXX still open and XX/XX/XXXX called Synchrony Bank disagree and reopened. Filed police report XXXX and sent police report with FTC report to XXXX XXXX  XXXX In XXXX keep receiving phones call and statement harassment from Bank. XXXX and I called XX/XX/XXXX and remailed police report. 
In XXXX XXXX and I called together and XXXX XXXX and mailed FTC report, police report XX/XX/XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX we called bank reopen investigation. I am not able to be answered phone because hospitalizations. Then I received collection letter.
Product: Credit card

I Need Help, Please! Chase Visa is harassing me regarding my card ( ending in XXXX ) on which I am steadily paying, including repeated phone ( from the number XXXX ) and mail threats, as well as XXXX letters requiring signature which threaten to sue me and turn me over to " a law firm. '' I have had this card for many years and assumed full responsibility for payment after the XXXX  of my husband, with only my significantly less income. I currently owe XXXX, XXXX, an amount accrued primarily in XXXX when I had to move house after my husband 's XXXX  and then lost XXXX months of work due to XXXX. I was making steady progress paying the balance until spring 2023, when I again lost work due to COVID and missed XXXX payments. I spoke to Chase several times in XXXX XXXX  when they kept sending me notices that they would close my account and charge it off - and let them know my predicament. A phone agent gave me payment amounts to make in XXXX and XX/XX/2023 that she said would keep my account from being charged off. I made the payments and they closed it anyway. I asked for supervisors and possible converting to a loan help from them and could not get past the foreign call center operators. I have since made steady and consistent payments each month ; and while I do not make enough money at this time to pay enough extra to catch up the months missed, I continue to make steady payments toward the balance. Yet they have increased their harassment and threats of lawsuits - I am XXXX XXXX XXXX and this is negatively affecting my mental and physical health. I have not once tried to say that I am not responsible, I haven't gone to any credit relief company to get the bill lowered to pennies on the dollar. I just keep paying on what I owe and I pay at least XXXX each month, more when I can. I have tried to get a consolidation loan at a lower interest that I can pay this off with, but because Chase has gone ahead and ruined my credit, I can't get a loan and have no other option but to do what I am doing, which is pay all I can pay each month, while they continue to add on insane interest charges and fees.

I fully intend to pay my debts but I need help from you getting in Chase Visa to STOP harassing me and ruining my credit. I am working hard to get my credit back up where I may be eligible for a consolidation loan. I can never get through to an actual Chase supervisor or someone interested in helping me figure this out, I just get a call center. Please help me, Thank You. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writin the credit bueaus for over a year, transunion, XXXX, XXXX is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my government contractors, job. I have never lived at XXXX s. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, nor XXXX XXXX XXXX they have 3 bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}
Product: Debt collection

I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and multiple banks were tried to open a line of credit under my name with my information. XXXX Bank XXXX XXXX did not accept the application because they couldnt verify my identity. Bank XXXX XXXX also denied the application and called me to verify if it was identity theft or not. Citizens one bank however, let the account be fraudulently opened under my information, and let a large balance be accrued. I had to freeze all XXXX of my credit bureaus and report to the FTC about my identity theft. I opened a claim with citizens one bank, and the person I spoke with on the phone said to file the claim online and they would fix the account and balance that I did not personally open. After I followed all the steps to report this account as fraud and identity theft, citizens one bank denied my claim, and is saying that I opened it and they are requiring me to pay a balance for charges I did not make. This needs to be overturned and resolved. I will not be a victim that pays for something I didnt charge, on an account that I did not open. This whole event of having my identity stolen has been grueling enough to deal with. The bank needs to update its security measures to ensure that people who are opening accounts have their identities verified, instead of just letting things push through.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX ( XXXX XXXX ) received a call from XXXX stating they were collections for XXXX XXXX XXXX ( XXXX ). The person identified himself as XXXX, stating that my account was delinquent and that XXXX turned it over to collections with 30 mins to resolve or my power would be shut off. { XXXX then gave me his direct number should be get disconnected as XXXX XXXX. } I said that my XXXX account was closed in XXXX and the address was under a new name ( my son, XXXX XXXX, who had purchased the house ). He said XXXX had a system change that I did not enroll in so they froze any funds that had been paid to the account and it would take 24 hours more to resolve with XXXX claims. They said the account still showed my name because due to COVID the cancellation was delayed. So to avoid a loss of power now ( which was critical to me due to the cold weather, having a child in the house and a person on oxygen ) I was to pay the amount that was frozen {$490.00} and then was given a Case # XXXX of which after review by XXXX I would be totally reimbursed. He said I could only pay by going down to XXXX office ( which I could never have reached within the 30 min timeframe and it was after XXXX ) or through XXXX XXXX 
He walked me through XXXX and said to create a recipient as XXXX with a phone number as XXXX. I did so and sent the money. He had me wait until it delivered and was accepted and send a screen shot of the transaction. Then he came back on and said I needed to send a security deposit of {$1000.00} and again it would be totally reimbursed. That is when I got suspicious, found my son and he told me to hang up immediately. 
I hung up and called Chase ( my bank ) customer service ( local bank was closed by now ) and the woman said it was too late for her to stop the transaction but to call Chase claims at XXXX opt XXXX. I did and flied a claim with them Claim # XXXX. They said it would most likely be handled just as an inquiry to report being a victim of a scam. It would be reviewed by an investigation team. I would hear back either by a phone call for more information or denial letter by XX/XX/XXXX. She said there didn't seem to be any failure by Chase or XXXX. I said I was scammed and not fully understanding that I should not have allowed a XXXX transaction was my responsibility but as a long time customer of Chase with no history of this type of issue do they not have some kind of Customer account to help out financially and further educate these new types of transactions for seniors.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Please help me have no where else to turn, I am totally lost. I am a single mother of XXXX, lost my job due to covid-19, for XXXX  I ordered my kids toys from XXXX, XXXX  came and went toys never arrived did not have money to replace toys, told my kids due to covid XXXX was running late with toys, so we waited. When I saw nothing was happening I decide to get my money back from XXXX. This is where citi bank comes to play, step by step I told my XXXX XXXX XXXX, ( FIRST MISTAKE ) THEY ANSWERED AND SAID XXXX, I explained what happen, he said yes they had alot of problems with mail DUE TO COVID19, so they where giving back the money, but you must download this app called QUICK SUPPORT AND DO NOT TOUCH MY CELL HE IDENTIFIED MY PHONE HAS AN XXXX, AND LIKE A GHOST HE WAS ABLE TO MOVE ALL KEYS ON MY CELL, HE STOLE XXXX LEAVING XXXX BALANCE, THIS ACCOUNT IS A SSI ACCT. FOR MY DAUGHTER I WAS JUST THE PAYEE SHE IS XXXX, GOD BLESS ME WITH A FOREVER BABY, HER NAME IS XXXX THE ONLY REASON THERE WAS SO MUCH MONEY IN THAT ACCT. IS BECAUSE UNFORTUNATELY THE XXXX STIMULUS WAS IN ACCOUNT, WHEN THEY STOLE THIS MONEY THEY STOLE ALL WE HAD, NOTHING TO EAT, NO MILK NO EGGS NOTHING, I DID ALL I WAS TOLD TO DO, OPENED NEW ACCT. WITH A XXXX BRANCH OVER CELL, COME TO FIND THERE ARE NO CITI BANK IN THIS NEW STATE I MOVED TO IN PENNSYLVANIA, I SOON I GOT OF PHONE WITH THE THEIVE I CALL BANK IMMEDIATELY SECONDS, WENT TO MY EMAIL AND RESPONDED IMMEDIATELY TO YOUR FRAUD ALERT, I HAVE NOTHING PLEASE HELP ME I FEEL SO LOST NO WHERE TO TURN, I CALLED BANK TO SPEAK TO FRAUD DEPT. AND THEY SAID IT WAS DENY, XXXX DOLLARS IS LIKE A XXXX TO US.CAN YOU PLEASE LOOK IN THIS CASE, THIS IS A DISSABLITY ACCT. I BEG YOU I HAVE NOONE IN THIS STATE I DONT EVEN HAVE A JOB NOW, WE NEED THIS MONEY TO SURVIVE. THANK YOU, GOD BLESS STAY HEALTHY AND THANK YOU FOR READING THIS. PLEASE LOOK AT ACCT. DESPERATE MOTHER, XXXX XXXX XXXX FOR XXXX XXXX XXXX MY CELL XXXX