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

XXXXXXXX XXXX IN US A DEBT COLLECTION SOLD BY XXXX XXXX XXXX ITS SN ACCOUNT OPENED Fraudulent IN MY NAME USING MY OERSONAL INFIRMATION IVE DISPUTED MORE THSN FIVE TIME REQUESTED ALL PROOF OF OWNER SHIP SENT TO ME ASKED FOR NETHOD OF VERIFICATION FROM BOTH COMPAINES ANS EXPERIAN NOTHING HAS EVER BEEN SEND YET IT ALWAYS CAME VACK VERIFIED! THESE COMPANIES ARE TSKING ADVANTAGE OF PEOPLE THEY ARE NOT VERIFYING INFORMATION, NOR FOLLOWING THE LAWS SET FORTH Buy THE FCRA, and the credit bureau are not verifiying that the company properly investigated and verified things they are just taking their word. I call and ask for this information more than once and EXPERIAN reps could not tell me anything but it came back verified not not who verified it, how was it verified, when was it verified. Nothing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX billed me for a car I never owned. I tried to call and t was still billed. I have no idea what this is for I have not owned a car in years.Now it is reporting on my XXXX Credit Report.
Product: Credit reporting or other personal consumer reports

Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my XXXXredit score That's fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Discover keep reporting a balance in the middle of the credit statement period. 

Reported XXXX Reported XXXX it's not even the statement date yet. This is not fair its has dropped my credit score by XXXX points.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting

XXXX XXXX who claims to be CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX Toll-Free : XXXX Local : XXXX Letters : XXXX Telemarketing : XXXX Client Services : XXXX Fax : XXXX Email : XXXXXXXXXXXX claims he received this debt listed on XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Financial Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned Last Payment Date : N/A Status Date : XX/XX/XXXX Status : Z - In Bankruptcy Comments : Bankruptcy chapter XXXX, Bankruptcy discharged Experian : Changing the same exact account from closed to open. 
XXXX XXXX XXXX, Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Balance Date : XXXX XXXX Balance Amount : Date of Status : XXXX XXXX Status : Closed Open As it appears on Experian : XXXX Account Type Collection Terms- Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details In Bankruptcy Status Updated XXXX/XXXX/XXXX Balance-Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Monthly Payment Balloon Payment Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Ownership-Individual Account Original Creditor XXXX XXXX XXXX Company Sold-to Original Amount Comments BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX Claims when he buys these accounts, he has no responsibility to verify if the debt is valid, he throws it on credit reports hoping to collect, I asked him, even if you already owned the account in XXXX? Already flagged it for Bankruptcy? Nope he bought it from : XXXX, XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX, complain to them! I decided to complain to you since this is preventing me from obtaining a Federal Student Loan consolidation. Because it appears to be a new open collection. I feel the creditor has to have some sort of responsibility to verify the validity of the debt and should not be able to list items that are closed as open again every few years, hoping to collect on accounts that are discharged in bankruptcy. Mind you this was never my debt, my ex husband took out the loan, I only added it to my bankruptcy to avoid them coming after me, once I was divorced.
Product: Credit reporting

In trying to lift a credit freeze from Transunion, I submitted what I thought was a request to control that freeze process. It turns out, though, that this was a credit *monitoring and alert* service. I gave them a credit card number for payment. However, the site had nothing to do with my credit freeze, which required a separate log-in and payment schema. Then I started receiving {$20.00} charges each month from Transunion for this service. Apparently I had signed up for a trial period and the regular payments started. Exceptionally frustrating and shady.
Product: Credit card

I purchased a video game from XXXX XXXX XXXX via my PayPal credit account. The Department store claims they shipped and my order was delivered. However, that is not accurate and I never received the package. I informed the seller that I had not received the package and the package was not delivered to my home. So either the package was delivered to the wrong address or someone stole it. No one signed for the package so there is no way to know where or when the package was delivered. 

I filed a dispute with Paypal Credit under Case ID- XXXX . PayPal continues to rule in the store 's favor unjustly. Without any documentation to prove or show that the package was successfully delivered. The seller sent me an email offering to refund me my money if I cancel the dispute. I sent Paypal Credit this email documentation proving the seller agreed to a refund. PayPal Credit still refuse to refund me the funds.
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 there were XXXX unauthorized transactions to XXXX XXXX XXXX from my account ( Account No XXXX, {$8300.00} ) and from my family joint account ( Account No ***********, {$3000.00} ). 

On XX/XX/2021, I filed a claim ( Claim No : XXXX ) by calling Citibank to dispute the unauthorized transaction on XX/XX/2021 and requested to block any transaction from my account to XXXXXXXX XXXX  XXXX. At the same time I requested to close the account to prevent future unauthorized transactions. I was told that my account was disabled and a new ATM card would be mailed to me. 

I have been calling Citibank numerous times to request Citibank to do a thorough investigation. I mailed XXXX times documents per Citibank request. However, Citibank never did a thorough investigation, instead, Citibank denied my claims and appeals by " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the bill payment ''. 

I requested Citibank to provide the documents that were used for investigation such as the " established devices '', " consistently paid ''. Citibank never provided them. 

As a Citibank customer I am very disappointed with Citibank 's service and security : XXXX. The IP address used to make these transactions are not my computer IP address. I only use my computer to do online banking. Which clearly shows that it is not me that made these transactions. Citibank couldn't alert the unrecognized device. 
XXXX. There was an unrecognized phone number on my checking account contact information. Apparently someone else accessed my account and edited the contact information and add XXXX XXXX XXXX as Payee. Citibank online banking platform is not secure which put all Citibank customers on risk. 
XXXX. Why Citibank couldn't prevent the further fraud after I reported the first fraud? 
XXXX. There was never any payment to XXXX XXXX XXXX before XX/XX/2021 which disputes Citibank 's " consistently paid ''. 

Therefore, I filed this complaint to urge Citibank to take action to protect customer 's financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, Equifax and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all
Product: Debt collection

I've filed against Aspen National in the past, but the debt they're trying to collect needs to be returned to the original creditor. Any negotiations or payments will be made without Aspen National 's intervention as they have been notified on several occasions that the debt is disputed. They're playing games and have no right to continue calling or sending communications to me in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, JPMCB Card, and XXXX  XXXX XXXX creditor has violated my rights. 

Under 15 USC 1681 section 602, states I have the right to privacy.

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

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX After contacting Experian and XXXX, the response I received from Experian is reporting this account as a charge-off as far back as XX/XX/XXXX then in XXXX Reports as 30 days late 3 times, then reports as paid on time 3 times, then in XXXX 60 days late 6 times then 30 days late 4 times, and paid on time 2 times in XXXX. 
How can this be accurate if this account is reporting as a charge-off as far back as XXXX? I have tried to resolve this issue and no success.
Product: Debt collection

False Statements/XXXX XXXX XXXX Ive filed several complaints regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX They refused to send me a maintenance bill for XXXX my fully paid resort membership. 
I received a letter telling me to contact the crooked corrupt collection agency Aspen National Collections XXXX XXXX XXXX XXXX FL XXXX XXXX ; XXXX, who have added over {$500.00} to outstanding maintenance fee from XXXX. 

We purchased the membership under duress ( held against our will for over 8 hrs because we were XXXX with threats that we would have to pay outrageous fees for our stay ) in XX/XX/XXXX. We paid over a period of time for the membership in full. XXXX XXXX XXXX XXXX has never sent me a 1099 so I can file gor the Real Estate Taxes that were paid. In additionXXXX XXXX XXXX failed to credit my account for the week that U paid the maintenance fee for ( Total of 7 weeks outstanding, 2 extra weeks vacation ( total of 8 ) because of denial of service!!
Product: Credit card

To Whom It May Concern, I, XXXX XXXX, am writing to express my deep dissatisfaction with the recent services provided by Capital One Bank. As a loyal customer for over 20 years, I have witnessed a significant decline in the quality of service, particularly concerning online banking and customer support. 

In the past several years, I have encountered numerous issues with the online banking platform, particularly in making payments to credit accounts. Despite repeatedly selecting my Wells Fargo checking account as the payment method, the system consistently defaulted to my Capital One account, resulting in inadvertent payments and subsequent financial inconvenience. Despite my attempts to rectify these errors, the problem persisted, leading to frustration and unnecessary additional transactions. 

Furthermore, I am appalled by the recent decision to close all of my credit accounts without prior warning or valid justification. This abrupt action has severely impacted my financial standing and tarnished my credit history, causing undue stress and hardship. 

Additionally, the conduct of your fraud team has been deeply concerning. I have been misled to believe that my accounts could be reopened, only to be met with false promises and unfulfilled assurances. This lack of transparency and accountability reflects poorly on Capital One 's commitment to customer satisfaction and integrity. 

As a result of these grievances, I am left with no choice but to explore legal recourse to address the damages inflicted upon me by Capital One Bank. I demand a thorough investigation into these matters and appropriate restitution for the harm caused to my finances and creditworthiness. 

Since this occurred and my credit accounts were closed, I closed my capital one checking account since your systems do not work properly. 

I expect a prompt response to this complaint and immediate action to rectify the issues outlined herein. Failure to address these concerns will compel me to escalate this matter through legal channels and pursue all available avenues of redress. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is related to complaint : XXXX. I received an offer for a XXXX bonus on an XXXX XXXX card, which did NOT contain the language banning the bonus from previous card holders. Customer service told me I would not get the bonus because I was a previous card holder. They confirmed this was not the case and I was eligible. 


American Express confirmed that I was eligible for the bonus in this complaint and stated I just needed to meet the spend requirement and it would be issued. 

I met the requirement as confirmed by multiple representatives through chat ( they can review the chat records ), but as of yet, the XXXX bonus points have not been credited to me
Product: Debt or credit management

XX/XX/XXXX I removed 2/4 accounts and was informed my monthly payments would decrease to {$100.00} bi-monthly but would still cover the 2 accounts that were being disputed including 1 that already had a settlement. 

XX/XX/XXXX Contacted by company who requested my payments go from 2to 3 a month and asked for {$300.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I asked why would it be increase and was informed because of a {$460.00} settlement for the 2nd account. I asked why would it be this amount for the next 48 months for a {$460.00} settlement. They gave me round about answers and no clear answers then proceeded to say my account was in the red although I was paying $ XXXX from XXXX XXXX XX/XX/XXXX that was supposed to be for 4 accounts. I then removed 2 accounts reducing my enrolled debt and making my payments $ XXXX for the other two accounts from XXXX XXXX current. Where did my account go to red when I removed two accounts originally enrolled? I didn't get a straight answer. The service representative stumbled and studdered over words. I asked why my payments would need to increase? So far I have paid Beyond Finance {$1900.00} and they have ONLY paid one account settlement {$700.00} and now they are asking for an extra {$300.00} for another settlement. That's {$1200.00} of my hard earned money to NOTHING other than attorneys fees and their pockets. And this was NOT explained to be initially that so much would NOT go to my debt. I am further in debt trying to get credit repair from Beyond Finance. Customer services is terrible and they don't know anything to help me. I was told the amount set was all I needed to pay a month to get out of credit card debt for {$18000.00} and now I have only enroller {$12000.00} and they are trying to increase it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and XXXX. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit card

On XX/XX/XXXX, a contract was signed with XXXX XXXX for a bathroom remodel project totaling {$16000.00}, with a key feature being a 24-month 0 % interest financing promotion offered by Home Depot . As part of the agreement, Statewide Remodeling set up a Home Depot Credit Card with Citibank, and the terms were that the balance would be paid off within the 24-month period with no interest. Please note the statewide representative was the one talking to Citibank to process the contract while I was put on the phone to confirm my details and agreement to contract. I also signed the contract on a XXXX Home Depot tablet. Monthly payments of {$680.00} were made in accordance with the terms. 
Please note I was defaulted to e-statement and I was unable to check the statement. On XX/XX/XXXX, I called the bank to check my balance and discovered that interest had been charged since XX/XX/XXXX, breaching the original contract terms. Since XX/XX/XXXX I have been having continuous communications with Citibank and XXXX XXXX including conversations with XXXX XXXX, who assured the issue would be corrected. 
On XX/XX/XXXX, contact was made with Citibank customer service, and a representative revealed that the promotional period had prematurely ended in XX/XX/XXXX, resulting in a 25 % interest charge. Although the representative agreed to revise the promotional period, the issue persisted. On XX/XX/XXXX, a conversation with Citibank supervisor XXXX resulted in the reversal of the prior decision, with directions to contact Home Depot customer service. Further communications with Home Depot and Citibank representatives ( including XXXX, XXXX, and XXXX XXXX provided inconsistent information, leaving the matter unresolved. 
As of now, undue interest charges remain on the account. A formal request has been made for the Consumer Board to intervene and ensure that Citibank and Home Depot honor the original 24-month interest-free financing agreement. The reference number for the XX/XX/XXXX call to Home Depot regarding the interest charges is XXXX.
Product: Mortgage

My wife and I sold our home in XXXX of XXXX. The company didnt cancel the auto payments, and we were charged a payment for XXXX even though we had sold. I proceeded to call the company and ask for an explanation and when I would receive the money back. I was told to wait for the escrow check and it would be a separate check. The check came and we only received the escrow check. I proceeded to call and get an explanation, the woman on the phone said it didnt make sense and even she would just dispute the charge. I disputed the charge with my bank because bsi had no intentions of returning that payment. For the rest of XXXX the loan still said paid in full, it wasnt until I randomly checked it XX/XX/XXXX that the online account said I was short. After finally getting a manger, it took around XXXX calls he said that the extra mortgage payment was returned in the escrow check. No other associates could explain or look it up. I dont believe this company is operating fairly or honestly. They have given me the run around almost every call and never call back like they say they are going too. Now Im being charged interest because of their mess up, and instead of just paying the XXXX payment that they are saying is required they are charging me XXXX for interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number:XXXX   Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX/XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan

I continuously receive phone calls from a company named Premier Recovery Group ( PRG ). I decided to contact them today to find out what is the nature of their consistent calls. They mentioned something about an online loan from many years ago that I have no knowledge of. in addition to the rude tactics the representative had while speaking with me, there are several FDCPA and TCPA violations. The agent never provided the mini miranda, did not properly identify he was speaking with the correct person nor did he provide the recording statement. I have never given this organization express consent to dial my cell phone number ; I do not even know who they are. When I verbally requested a cease and desist the agent began to yell " Pay your bill '' several times and hung up, then called right back. I did not apply or receive any payday loan for whatever time period they are claiming
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020 I received hard inquiry alerts from XXXX, XXXX  and equifax I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries