23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,
Product: Credit card

Somebody used my Citibank credit card to fraudulently obtain a {$300.00} cash advance. I have had no luck with Citibank getting this amount refunded. Each time I call, I am told that an investigator determined that the Cash was deposited into my Citibank checking account. THIS IS NOT TRUE!!!!!!!!!!!!!! There is absolutely no basis for this statement. 

I keep telling Citibank that this is not true and am getting nowhere.
Product: Debt collection

The company did not notify me with the accuracy of the debt. the debt is XXXX the company to remove all negative information give that company permission to realese any iinformation to any reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove
Product: Credit card

On XX/XX/23, I placed an order for a new XXXX, with a total cost of {$1500.00} using my Goldman Sachs Apple credit card on file. The order was placed via Apple 's official website and was processed for installment payments. The delivery was scheduled for an unknown TBD date in the future- as is often the case upon the early release of new XXXX 

I require signatures for delivery of high value items such as the XXXX, however, I was only notified of the delivery AFTER the courier company ostensibly performed the delivery. I was NOT at my residence, an open-air apartment building, at the time of the supposed delivery. 

I received an email notification from the courier stating that the package had been successfully delivered to my address. To my shock and dismay, I never authorized such a delivery, nor did I receive photographic evidence ( or any other form of evidence ) to substantiate the claim that the parcel was in fact delivered. 

Upon arrival at my apartment residence to retrieve the parcel, there was no proof of delivery at my doorstep or in my mailbox. I immediately contacted Apple and filed a complaint regarding the missing delivery.

I have also reported the incident to the local police department, and a copy of the police report has been submitted to Goldman Sachs and Apple.

At this juncture, I have been abundantly patient, but am now eager to resolve this situation as swiftly as possible currently, this process has been dragging on for months. And it has become increasingly obvious that other consumers such as me are being left in a never-ending loop. 

There are seemingly few protections in place to guard injured consumers in this situation. As such, I am alerting other consumer protection agencies to bring attention to this unjust situation. 

Unfortunately, as a consumer, it appears there may be a direct conflict of interest between the Apple Card userbase experiencing such concerns and the financial entanglements between Goldman Sachs and Apple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************EXPERIAN CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT EXPERIAN IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX   credit file. If XXXX  can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by Experian and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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: Checking or savings account

On XX/XX/year> I filed XXXX separate claims for fraudulent charges on my checking account. I explained to them that I need the credit and filed XXXX separate escalation requests. I have several bills I am behind. I had to take a payday loan out to pay my rent and explained to the bank that the institution I Cash my checks with is who gave me the loan and I can not do business with them until the loan is paid. I cash my checks there to build and show proof of income as they are the only people who will give me a loan. They refused to give me the credit. Told me I have to wait XXXX days and allowed the institution to overdraw my account. Im now negative XXXX in my account and called the bank and explained to them that I dont have money for food or anything now and they refused to escalate the claim or issue me a temporary credit. Ive been with this bank for XXXX years and the fact that they are willing to let me starve while they investigate XXXX separate claims of fraud that they let happen is disgusting. Ive called XXXX times in XXXX hours and constantly get a different answer from everybody. Ive had to get XXXX different debit cards in XXXX days because they block or hold my account for every transaction. Theyve made me habitually late to work and now Im going to get fired for not having a way to be transported back and forth to work because they refuse to give me the credits and took what little money I had left to pay the loan. And left me negative money. Ive never been more disgusted in my entire life. I havent had anything to eat in XXXX hours and they expect me wait XXXX  days for a credit to be issued. I told them my phone was going to be turned off and a XXXX told me to use a pay phone. Are you kidding me? A associate and supervisor I spoke to XXXX when I asked to speak to his manager told me he didnt have one, was rude, dismissive and disrespectful the entire time and habitually lied to me and gave me wrong information because he didnt want to deal with me. Put me on hold everytime he felt like he didnt want to hear me and completely disregarded the fact that this bank is willing to let me starve than escalate my temp credit. Ive never been more disgusted my entire life.
Product: Money transfer, virtual currency, or money service

I've opened an account with Venmo so I could recieve payment for some baby items I sold to a customer online. Only form of payment she had on her at the time was venmo. So I set up the account and recieved the payment. From the minute I received the payment Venmo has frozen my account even after successfully might I add verifying my identity ( so I know that isn't the problem ) and I've personally wrote them 5 times and spoke to 5 customer service representatives who tell me all the same exact thing. The first two told me the day that if happened to give them up to 1-2 weeks to get back with me about the status of my account and couldn't tell me why it was frozen and when or if they could even unfreeze it! Then 2 and a half weeks later, no response. I wrote 2 more separate CSR 's and was given the same excuse, no explanation, but told that it would be forwarded to an escalation team and keep an eye on my email but it could take up to 2-8 weeks for a response! This is after I should've already recieved a response might I add and haven't. Over a week late on top of that! I just want my money and I want to close the account. It seems that no one actually works at Venmo, atleast not a living breathing human because I have screen shots where I was stuck at the gas station with my XXXX in the back seat out of gas and needing to use my money on Venmo to put gas in my car so we could safely get home and after explaining this to Venmo they still offered no explanation or even a resolution and simply did not give a XXXX XXXX. I personally will never use them again after the blatant disregard for my child and I in Florida in 102 defeee weather out of gas stranded with no way to even access MY MONEY that they have STOLEN from me. No matter what I do or who I speak to I can not transfer, send, or even withdraw money I was sent for payment for something over a month ago!!!
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 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX ), Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C.1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an 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 7 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: Credit reporting, credit repair services, or other personal consumer reports

This bill has always come and always been in my mothers name. I was an authorized user on the account so that I could pick up my mothers diapers and other living needs while she was under medical care. My mother passed away on XX/XX/2018. I still have her last bill that was mailed out for payment with just her name listed for the account holder. I called this company to advise them of her passing so they could close the card. Once that happened I personally started getting collection letters and phone calls to pay the balance owed on her card. I explained to them that I was only an authorized user and that they would have to wait for her estate to be settled. The company kept calling me about payment and I asked them why they were contacting me about this bill and they insisted I was a joint co-owner on the account. On XX/XX/XXXX I asked them on the phone to research this because I was only an authorized user. They said that they would hold off on collection calls for 10 days while they researched it and get back to me. I knew that I needed proof of this request and that by doing it over the phone I had not proof I sent them a letter requesting verification of liability for the debt and I faxed it to them ( retaining the fax confirmation for proof of receipt ). I never heard anything during that 10 days but on the 10th day, XX/XX/XXXX at XXXX, I received a collection call from them to pay the bill. They still had no further information to prove that I was a joint owner on the account. Each time I would talk to a representative on the phone, they would never have an answer for me. On XX/XX/XXXX XXXX they mailed me a letter that requested payment again which I received at my home on XX/XX/XXXX. I promptly replied with a phone call, which they told me that they did not have a way to contact the dispute department at their company and that I had to fax or mail in my birth certificate and social security card so that they could verify my identity. I was not comfortable sending them in my confidential information so the lady told me my only option was dispute the client with the credit boroughs. So on XXXX I mailed and faxed them ( keeping that fax confirmation for delivery receipt ) another letter advising them that I was not responsible for this debt, I never authorized to be a joint owner, and that according to the Fair Debt Collection Practices Act ( FDCPA ) and in the letter I sent them 30 days prior that requesting verification of liability of the debt, that I needed them to correct this, remove the item off my credit report and remove any derogatory comments on my credit report. I was in the process of doing a home refinance and their negative reporting was impacting my ability to obtain a better credit rating and standing. As of XX/XX/2018 I still have received no communication or follow up on my request for verification of liability and they have completely ignored my inquiry and requests for verification. They continue to call me for payment and report negative and derogatory notations on my credit.
Product: Credit card or prepaid card

I had a problem with a hotel reservation when I showed up to the hotel they gave me the key room and number I went into the room it smelled like XXXX I have small kids and an elderly person with me so it was not a safe environment for any of us that actually gave me a XXXX. Less than 30 minutes later I went back to the front desk I explained the problem and told them I could not be staying in a room that smells like this I would have to find another room and that they did not have authorization to charge my card the room is unfit and I would be leaving. They charged my card they have fought me over it I have made a complaint with my credit card company they are not reversing the charges at this time I've told them on two different occasions once in person over the phone and once in a letter written to him that I went through and spoke to the front desk told him not to charge my card they were authorized I told the manager on two different occasions they were not authorized to charge my credit card I've advised this to my credit card company and I'm still having issues and being charged for 30 minutes of being in the hotel at {$400.00} I don't think this is fair to a consumer to have to spend hours and days and hours to try to get their money back when they told him that they couldn't charge my card
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Product: Credit card or prepaid card

Even if we make a payment for the entire balance once per month, we get charged a late fee. In regards to the last billing period, the customer service representative stated that a payment must be made between XX/XX/XXXX and XX/XX/XXXX in order to avoid a late fee. I made the payment on XX/XX/XXXX online and paid all charges in full. I made two more purchases on XX/XX/XXXX. Amex states that only payment made after the billing period is over count towards avoiding a late fee. If you make payments that would enable you to pay the charges for that billing period before the end of the billing period, it does not count. If I want to pay early, I have to pay by check. Otherwise, the payment must be made after the close of the billing period. Specifically, they stated, I don't mean to relay the information poorly. What we need to look at is the due date. Due date for this is XX/XX/XXXX. For the payment to be counted for this due date, the payment should have been made from XXXX  XXXX XXXX. The payment made on XX/XX/XXXX and XX/XX/XXXX. The payment made is outside this timeframe. Since it is outside this timeframe, a late payment fee is generated.
Product: Checking or savings account

On XX/XX/XXXX I checked my account and had {$430.00} to use for the week. 
I used my card XX/XX/XXXX, XXXX for everyday purchases most of them under {$20.00} Upon Checking my account XX/XX/XXXX on my payday I had several overdrafts and fee 's. 
I contacted Chase Bank 3 separate times on XX/XX/XXXX without resolution to try and have the overdrafts reversed and I was told I need to monitor my account better, get savings protection, and they couldn't reverse any of the 12 overdraft fee 's? 
So basically they took {$400.00} dollars from me - Most of the overdrafts were {$5.00} and/ or below {$20.00} they charged me {$34.00} for each and every one of them - I want my account to be refunded all the fee 's they charged and I will be taking my banking elsewhere I can not be robbed of money by some useless bank! I will also be talking, posting, yelping, and telling everyone that JP Morgan Chase scams hard working professionals such as myself out of their money with fee 's!! it's not as if in a day or two Chase lost any money due to my account being overdrawn as my payroll check was deposited and the problem was solved. I am very upset with their practices. If my money is not returned to my account I will retain an attorney to file a lawsuit with this banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX