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

The company claims it is working on the problem but it's been 9 months. None months of claiming it's been working on it. Almost a year is unacceptable while my credit dropped XXXX points from no fault of my own. XXXX XXXX XXXX  AKA XXXX XXXX randomly stopped reporting to credit agencies in XX/XX/XXXX. Ive had a XXXX balance for 15 months and never late prior to that. This made my credit score fall because credit agencies consider XXXX failures to report as me being late. Called the company and they said it would be fixed in 10 days. Then they did for 7 more months so it shows that I didnt pay for 7 months because they failed to report. Again, Ive had a XXXX balance for 14 months. My credit score fell XXXX points. Ive been on the phone with XXXX 3 times and talked to 6 people. Theyve written 3 letters admitting fault but havent fixed anything in 7 months. Ive deleted this to all 3 credit agencies and theyve just shrugged their shoulders. Hundreds of thousands of consumers have been affected. I can not buy a new vehicle for my business with a score that fell XXXX points, the internet rates are too high with those marks saying Im Late eve though I havent used the card since XXXX of XXXX. I have been unable to get any help from anyone. The internet is full of the same issues with this bank. Thank you.
Product: Bank account or service

Citibank acknowledged that I qualified for a promotional balance but did not pay when they said they would, and now are requiring me to file a XXXX for some reason.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I have identified unauthorized activity on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries : Fraudulent Account XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$89.00} Fraudulent Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called Navy Federal Credit Union for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called Navy Federal Credit Union on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to navyfederal/pfi. I immediately submitted the application. I kept messing calls from Navy Federal during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that Navy Federal is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.
Product: Credit reporting or other personal consumer reports

formally file a complaint against XXXX XXXX regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered significant financial hardship due to this matter, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

I previously requested verification of the debt in question from XXXX XXXX, as is my right under the FCRA. However, XXXX XXXX has failed to provide the requested documentation that clearly establishes the debt as mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which has not been provided. This failure to verify has caused undue financial strain, and the account remains inaccurately reported under my name. 

Furthermore, XXXX XXXX has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the necessary documentation to substantiate the claim that it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT KOHLS/CAPONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Debt collection

my complaint is for XXXX XXXX XXXXXXXX XXXX. we tried to book a room with them on on XXXX through there website. First time the website took us out and didn't show anything and i figured it was a glitch and tried it a second time and the same thing happened, didn't give any information. I then proceeded to go to XXXX and booked through them. When i arrived at the hotel and checked in through the XXXX confirmation i told the clerk at the desk about what happened and that i was charged and they informed me they were sorry about that and would help reverse it right away. That didnt happen. I been trying to get this resolved through mu credit card Citi bank as that was the form of payment i used to pay for XXXX and through XXXX. i wrote a statement that citi bank needed me to send them to send to the merchant to explain what happened and the merchant denied all claims and keeps reversing back the charge to my credit card two charges for $ XXXXthe merchant can clearly see my stay with them was through XXXX XXXX They need to make sure they are reading all the statements how can it be any fault if there was a glitch on the website. the clerk at the desk could had told us it wouldnt be reversed to handle it then in there but they said we will take care of it and we are sorry.
Product: Credit card

RE : Unauthorized charges on my credit card from USAA, account restricted, unable to reach a representative within a reasonable amount of time and refusal to investigate my claim. 
I am a married father of XXXX young girls, run XXXX separate business : Build custom homes, Promote large events and provide entertainment services for Weddings, XXXX 's, charity events etc ... I have a highly regarded reputation, provide my services for many of the wealthiest families in Michigan and I have a great credit history with all my lenders. However, my latest experience with USAA regarding unauthorized credit card transactions have been incredibly frustrating and time consuming. 
Around XXXX XXXX, I was unable to log into my USAA account, I made numerous attempts to contact USAA, but once my hold time exceeded XXXX minutes I would hang up, hoping to find a better time to reach them. Finally, on XXXX XXXX, at approx. XXXX I reached a representative ( male ) he verified me and provided a passcode to log in. Once logged I noticed a balance over {$8000.00} whereas my balance should have been around {$3500.00}. I informed the representative there were numerous unauthorized transactions. He transferred me to Fraud investigator XXXX XXXX XXXX, I informed her all the charges from XXXX XXXX 2016 to the present were unauthorized. I identified these charges and incredibly this fraud investigator refused to take my report. She informed me that since my card was revoked. ( NOTE : card was revoked due to fraud transactions ) She was unable to take the report and transferred me to the Debt solutions department. Debt solutions dept. was not open, therefore I had to call back the next day. 
On XXXX XXXX at approx. XXXX I contacted XXXX, this took XXXX attempts and over XXXX minutes of hold time. At XXXX the next day I called and after more hold time lasting over 30 minutes XXXX from the XXXX answered. ( This is a different XXXX with same first name as the Fraud departments investigator ) This gets better, XXXX also informed me she was unable to help and placed me on hold for over 30 minutes. Finally, I could not keep holding and hung up. 
Days later XXXX XXXX, USAA reported my account revoked and a balance of $ XXXX this lowered my credit score by XXXX pts. and will jeopardize a XXXX figure construction loan i MUST apply for in a few weeks. 
I have exhausted every reasonable attempt and my only other alternatives are complaining to government agencies and follow up wit Civil action. During my conversations with USAA I did warn them of reporting inaccurate information to the credit bureaus as my ability to finance real estate to develop would be in jeopardy. I have also emailed these concerns and mailed certified letters the XXXX disputing the balance USAA is currently reporting. It is also important to note that over the last few months I have paid over {$80000.00} towards my revolving lines of credit per advice from my loan officer in preparations to obtain a large ( XXXX figure ) construction loan
Product: Credit card or prepaid card

Bought a vanilla gift card put XXXX dollars tried using the card and the XXXX dollars had already been card was bought XX/XX/XXXX funds were taken out on XX/XX/XXXX money went to XXXX direct that did not make purchase from. Contacted the company company said would open a dispute and never did called back they then started stating over and over again that the payment went through when we already called and was told a case was open and never was asked to be escalated to a supervisor who confirmed a case was never opened to try and get funds added back to the card. Company was no help vanilla gift card is just a scam don't ever purchase
Product: Debt collection

I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).
Product: Student loan

I have been receiving multiple harassing phone calls from American Education Services and have sent them a certified letter to stop contacting me and they have refused. 

They are not offering me any feasible payment plans and continue to bombard me phone calls and offer no real solutions
Product: Bank account or service

I am writing a serious complaint against Citibank, I had been banking with them about four years and my accounts have always been positive and properly funded. I noticed about three weeks ago the bank started making unauthorized bank credits and debits on my account. That now have my checking account seriously delinquent. When my account is definitely suppose to be positive. The bank has acknowledged these errors and as you can see on the banking printout they reimbursed XXXX {$10.00} transfer fees and XXXX NSF fee. I went to the bank about these errors the banking representative XXXX XXXX XXXX stated that these are the worse banking errors he has ever seen. It 's like the bank just went in my account and went crazy removing my money. No one at Citibank has been able to explain why so many banking errors on my account. I am hereby requesting that a complete audit be done on my Savings and Checking and my account be bought back positive. These banking errors have ruin me financially. I had to immediately close all my accounts. My government direct deposit had been going their for years, so now I am left without a paycheck until this is resolved. I ca n't pay my mortgage, utility bills, credit bills or nothing. This has ruin me. I do n't know why the bank did this to me. It 's like they deliberately sabotage my account. Please help me resolve this. The bank has been very unsympathetic. Now my account is overdrawn over {$4000.00} after getting a {$2300.00} direct deposit. That the bank has kept and refused to give me.
Product: Credit reporting or other personal consumer reports

On XXXX I sent letters to each of the three bureaus through certified mail requesting investigations on information on my credit reports that were highly inaccurate and has been negatively impacting my ability to obtain credit. I also requested the inaccurate information to be removed and then updated credit reports be sent to me. Rather than investigate my claims, the three bureaus did not remove more than one or two small items like inaccurate personal information and I never received updated credit reports. 

On XX/XX/2024 I sent another round of letters identifying the errors on my reports and I again requested investigations be opened, inaccurate items be removed and updated credit reports be sent to me and I have heard nothing from any of the bureaus. In short, they are all failing to comply with their own policies in a timely manner. I have proof showing I have sent these letters to XXXX, XXXX and Experian - and I am positive I have the correct addresses because I sent the first round of letters via certified mail. 

Thank you.
Product: Credit card or prepaid card

I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX XXXX  Report Number XXXX Equifax Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX account thats in collections. The accounts are XXXX XXXX XXXX XXXX {$560.00} ) Original Creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( {$3600.00} ) Original Creditor XXXX XXXX. 

The XXXX XXXX XXXX XXXX  was paid in full and creditor agreed to remove the account w/ a XXXX balance from my credit report. The account was REMOVE in XX/XX/2023 and reappeared back on my credit report in XXXX, which DAMAGED my score. I notified TransUnion of the account over the phone only to be told that the information is accurate. How is it accurate when it was TOTALLY PAID OFF & REMOVED in XX/XX/2023 only to reappear? I HAVE PROOF OF THE PAID ACCOUNT IF NEEDED. 

The XXXX XXXX XXXX ( {$3600.00} ) Original Creditor XXXX XXXX is an account I have absolutely NO KNOWLEDGE of. I have ask TransUnion on several occasions via certified mail and phone to verify that the account belongs to me and they have failed to do so. Everytime I call TransUnion and ask have they received a certified letter via mail that requires a signature to receive and it NEVER in my file. TransUnion always try to rush me off the phone without hearing my concern completely out. 

Please investigate these account w/ Transunion XXXX
Product: Debt collection

On XX/XX/XXXX, IQ Data International reported that I have an outstanding debt in the amount of {$4400.00}. On XX/XX/XXXX, I mailed a certified letter to IQ Data International requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), which requires a debt collector to provide written verification of the debt within 30 days.

However, it has been over 60 days, and IQ Data International has failed to provide the requested debt validation letter, violating the FDCPAs debt validation requirements. 

Furthermore, on XX/XX/XXXX, I received another letter from IQ Data International requesting payment of the {$4400.00}, despite their failure to validate the debt in accordance with the law. This further violates my rights under the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), which prohibits debt collectors from continuing collection activities without validating the debt upon request. 

I am requesting assistance in resolving this issue and ensuring that IQ Data International complies with the legal requirements for debt validation under the Fair Debt Collection Practices Act.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : AMSHER COLLECTION SERVICE Address : 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 Dear AMSHER COLLECTION SERVICE I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report on me from Transunion has numerous errors and omissions, 1.I never had an account with XXXX XXXX XXXX , which they list 2.They list an account with XXXX, which I never had 3.My XXXX XXXX accounts are all current 4.They list an account with " XXXX/XXXX  '' which I never had 5. My last employer before I retired was the County of XXXX XXXX, where I worked for 13 years from XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

This is my 3rd attempt to have this collection account removed. Attempts online and by mail with Experian have been unsuccessful for some reason. The collections company has already requested the deletion and sent proof in writing that they have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, STATEFARM BANK, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.