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

It all started after I got my purse stolen in XXXX Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.
Product: Debt collection

On XX/XX/2022 i received an initial notice from CCS indicating I had an outstanding XXXX debt. In my response, I requested validation of this debt. Prior to receiving the requested validation, I received a text message from CCS demanding payment. First, I never consented to receiving SMS messages from this collection company. Second, CCS violated FDCPA by requesting payment during the validation period. I finally received validation of this debt on XX/XX/2022 ( notice dated XX/XX/2022 ). On XX/XX/2022 i received an alert stating the debt had been reported to my credit bureau reporting. On today, XX/XX/2022, I contacted CCS to ask why didn't I receive validation within 30 days of requesting and why was there a demand for payment sent via text message without my consent. The agent I spoke with, XXXX, refused to respond to my questions and wanted to transfer me to a supervisor. I advised the agent I was not at the point of wanting to speak with a supervisor but wanted him to address my concerns. This company has clearly violated section XXXX XXXX XXXX Validation of debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company closed and sold my account over to Deatrick and spies in XX/XX/XXXX Ive been making monthly payments to deatrick and spies since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact Deatrick and Spies about it. But every time i try to discuss this matter with Deatrick and Spies they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Product: Checking or savings account

I was using credit karma for a while and XXXX XXXX I noticed the phone number was changed I did not know. I also seen a couple of transactions I did not do, I immediately called them said their was fraudulent charges and freeze the account. The hacker had stile my identity and compromised my email. ( Said hacker is in jail now. ) I was seeing my money steadily going to XXXX accounts XXXX accounts XXXX XXXX and a XXXX XXXX that I know of even got into my work email and had my payroll routed to a fake account in my name to him. He got my ID and SSCard because the only way credit karma would even deal with me is by emailing them copies of identification. All the while my money was jus gone. I got a detective out of XXXX XXXX Tennessee to help me which we are still dealing with. XXXX locked me out of my own account and thr hacker kept changing the password which is what I told them they would not listen all I got was they were turning that over to their escalate department that ONLY COMMUNICATES via email. So the entire time I was telling them the hacker was in my email and I would not conversate with them thru rail. Now all these months later tracking this man down credit karma said they have distributed all my money back minus XXXX I have no clue when or what or where it was sent because at XXXX point they closed the account so where was my money sent? I've not seen a XXXX of my money since XX/XX/2023. They said they mailed XXXX to me XX/XX/2023. It never came and they are demanding I send them my ID thru email bc again u can't speak to that depth. They have caused XXXX my job a loan to jus live now my home everything has been taken from me and they think it's not a big deal and I'm irrational because I won't email my private information. I will never do that again bank 's call me a liability I have numerous loans I don't know about and about XXXX credit inquiries and XXXX knows what else. This banks negligence has ruined my life still refusing me the XXXX much less all my other money they said the fraud dept repaid they tell me XXXX minute I don't have the correct address on file transfer my call and that person says XXXX us my correct address. I now see a XXXX XXXX XXXX of all of this it's major XXXX and the not knowing how or who or anyone to help me a lawyer says XXXX a great case but wants XXXX pwr hour I can't do that I can't even get my other money. I need help please getting all of my money they call me a liar they hang up on me daily I can't do it anymore
Product: Vehicle loan or lease

On XX/XX/2018 I traded two cars into a dealership that had loans with USAA. The dealership arranged credit for the two new vehicle purchases and obtained a 14 day payoff from USAA. I called USAA that night to cancel my automatic payments on those loans. I was given an effective date on the XXXX and the XX/XX/XXXX for each automatic payment cancellation request and told that I would not be charged. On the XX/XX/XXXX one loan payment in the amount of {$170.00} acct # ( XXXX ) and the following day on the XX/XX/XXXX the second loan payment processed in the amount of {$170.00} acct # ( XXXX ) I contacted USAA on the XXXX to notify them of this issue and was assured that the second payment would not process. I was also assured that they would refund my money as quickly as the following week. 

On the XX/XX/XXXX I called back and was informed that it was a mistake and that I should have called in earlier on the XXXX to cancel the automatic payments ( ACH ) transactions as I was already past the cutoff time for a cancelled payment on the XXXX. They could not explain why the two previous employees informed me that the payments would not process and they did not offer any support in acquiring a refund. 

Over the next week I called several times, provided a detalied verbal statement to three additional customer service represenatives and two managers and was told that the mistake way my fault. 

It took an entire month for the refund to be issued. During that period my existing auto loan was paid in full by the new lenders for the new vehicles I had financed with other lenders and a loan overpayement deposit was made to my account. 

Throughout this error the employees at USAA consistantly gave me wrong or contradictaroy information and finally admitted that a system error caused the initial problem and a processing error delayed the payment of my erroneous loan payment refunds. 

I filed a formal complaint and I recived and apology from USAA. They did not pay any intrest or offer any real support due to this hardship and I was forced to work extra shifts to make up the difference in funds that I did not get for an entire month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$40.00}. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

So I originally banked with XXXX but kind of got frustrated when they only let you take off a certain amount a week or use a certain amount a week. I wanted to buy a new car after saving so long so I opened an actual bank account with Bank Of The West so that I wouldnt have the limit problem. So I opened an account with them and transferred all my money from XXXX about XXXX to my Bank of the West account & closed my XXXX account. When I went to bank of the west to try and get money out they told me no it looked suspicious because I just opened the account and now I want to take {$20000.00} out so a entire month went by of them doing investigating Ive called everyday. They finally told me they was sending my transfer back to my XXXX and didnt want to do business with me ( never told me why ) I believe they racially profiled me, so I asked how will they send my money back if I closed my XXXX account they didnt have an legit answer. Two weeks went by I called XXXX they said your account is closed with us so theirs no way they can send money back I called the bank back on three way the XXXX XXXX explained to bank of the west my account closed etc so XXXX ( bank of west agent ) said ok our investigations will then have to cut me a check its been another two weeks I havent heard anything they claim they sent my money to XXXX which is impossible and still never received a check. When I call the bank they dont answer we I literally have to call from different numbers just for them to pick up as if they have caller id and see me calling or something Im just frustrated and XXXX of my money just out there missing
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I closed my savings account approximately 2 years ago, sorry I do n't have the exact date. Then all a few month ago I started receiving statements with an  XXXX  cent balance. Last month I received a notice dated   XX/XX/XXXX     notifying me that my account was overdrawn in the amount of {$58.00} and the account was closed. The notice as stated that I was still responsible for paying the overdrawn amount and that my account  may  be referred to collections.  <P/> I incurred a monthly service fee in the amount of {$25.00} and overdraft fee of {$34.00}. On XX/XX/XXXX    I called customer service to deal with the issue. I spent over an hour and they were not able to help me, they referred me to go to the local branch. I visited my local branch on   XX/XX/XXXX     and again they were not able to clear things for me.  <P/> I do n't understand how an account that I closed ended up in these issues and now I have to spend all this time to fix the problem.  <P/> I am beyond frustrated and do n't know which route to take.
Product: Credit reporting or other personal consumer reports

there are 2hard inquiries on my account from XXXX XXXX XXXX on XX/XX/ and XX/XX/ institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Product: Debt collection

I see this COLLECTION on my credit ..i contact the credit and sumit a claim ..trans union delete but XXXX XXXX XXXX told before i have the same problem and i was in court they dischard and delete..because is fraud identy theft..
Product: Bank account or service

XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.
Product: Checking or savings account

In the past week I was charged over XXXX dollars in overdraft fees, mainly for transactions smaller than XXXX dollars. I communicated to TD Bank that I had reduced work hours due to COVID-19. I had an unauthorized payment withdrawn from my account on XXXX XXXX  that led to my balance unexpectedly being low.
Product: Checking or savings account

In XX/XX/2023, my chime banck account was hacked. as soon as my money was deposited into my account the hacker kicked me out immediatelyof my account by changing all my personal information for months i have been filing disputes with chime and they keep deniying. the amount stolen was XXXX im on a fixed income unemployed and that inccident has ruined my entire life in every way possible. im atleast a month behind or more on all my bills i have had to take extra loans out to get by i just was evicted with no where to go just waiting to be served. few months before that i started getting notices of being in data breaches i think i have five or six so far still researching. i hhave no clue what to do im a single mom of XXXX and just was barly getting by and clueless to even learn about accounts being hacked or data breaches or anything of sort i have plenty of emails back n fourth with chime the notices of data breaches etc. im lossing my mind seriously from this i cant eat or sleep or leave my house please can someone atleast help me find the right help and steps to take whatever will help me i will go find the emails and notices andd print everything and if someone reaches out ishould have everything together to send best way to reach me is emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED ITEM - XXXX  - {$120.00} I previously disputed this item with Experian. Im extremely disappointed with Experians decision NOT to delete the five-year old {$120.00} alleged debt being disputed with XXXX. Therefore, Im submitting an appeal regarding Experians decision. 

I do NOT want Experian to forward my appeal to XXXX  for further investigation. It will serve no purpose. XXXX will immediately and robotically respond that the debt has been verified. Theyve done this with my previous disputes. Submitting this dispute to XXXX will only guarantee another unfair No Win situation for me.

Instead, Im asking Experian to please step in and make their own decision regarding this {$120.00} alleged debt, independent of XXXX input, influence, and involvement. 

My dispute with XXXX boils down to a simple, yet very frustrating He Said, She Said argument over a {$120.00} defective watch I purchased and returned, which was then LOST by XXXX over 5 years ago. XXXX is the lender that XXXX uses to provide monthly payment plans for their customers. XXXX claims that the watch was never returned. Unfortunately, Im unable to prove that it was returned because I no longer have a five-year old return postal receipt. 

Question : Under these circumstances, why has Experian chosen to believe a huge lender and retailer over an individual consumer? 

PLEASE SEE THE ATTACHED DOCUMENT FULL COMPLAINT & ADDITIONAL INFORMATION
Product: Credit card or prepaid card

American Express has constantly been reducing my credit limit on some of my American Express credit cards this year including my gold card in which they took from me an annual fee of {$290.00}. 
This last reduction of my credit limit today on my account ending in XXXX from a credit limit of {$3400.00} to {$2100.00} will reduce my XXXX score by at least 30 points. 
I have been a customer of American Express for over thirty five years and never had a late payment or used more then 50 % of my credit limit on any of my cards. 
As of today my total outstanding balance on all my American Express cards which are five cards is no more than {$4000.00}. And even before American Express started reducing my credit limit this year on various American Express cards my outstanding balance was never more than 50 % of my credit limit. 
I tried to settle this latest issue with American Express but they would not relent. 
They asked me what my income was and then wanted me to send in proof of income. I told them that if they reviewed my credit report they would see that my monthly payments to all my credit trade lines is at least {$7000.00} a month totaling an income of at least {$84000.00} a year. But apparently thats not good enough for them. I once did in fact send in proof of income due to a credit line reduction but it did me no good as they refused to reinstate my credit limit. I am a hardworking business person and no longer have time for their pettiness. 
It seems they are attempting to damage my credit score in the hopes that with a lower XXXX score my other credit card vendors will also reduce my credit limits which so far they have not. 

This is an egregious abuse on their part. I will no longer pay an annual fee to them. In my continuing my relationship with them as a XXXX XXXX client this year they have incurred punishment upon me. 
And I will inform my business clients of just how mean spirited and abusive they are. 
And to mention with this horrible pandemic that we had to live through they would have a decent attitude. Shame on them.
Product: Debt collection

Lowes ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$2200.00} ( see attached ). However, on the credit report is reads : {$2300.00}. Therefore, this account should be removed from all credit reporting agencies.
Product: Debt collection

I am currently 2 weeks behind on a payment. I contacted the company and acknowledged the issue. 
On XX/XX/20, between XXXX and XXXX. 
I received 12 text messages in 1 hour from the company telling me to pay it. 
I contacted the company and asked them to stop, they said no and it turned into an argument. This contact was made after XXXX and then received 2 text messages again with in the first half hour. 
So now as I am writing this message, we are at 15 communications in 1.5 hours.
Product: Debt collection

It has come to my attention, the BANK, has transfer an account to RADIUS GLOBAL SOLUTIONS immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. RADIUS GLOBAL SOLUTIONS is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Payday loan, title loan, or personal loan

American express I have informed them that i didnt apply with them for a credit card an nothing has been done.