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

Citi bank credit card : I've been paying XXXX XXXX XXXX ( the collection company hired by Citi to collect payment ) regularly for over 1 year. They set up reoccurring payments and told me that they would notify me when it was time to set up the next set of reoccurring payments. Come XX/XX/XXXX I get a call telling me that I haven't played since XX/XX/XXXX. When I ask them why they didn't call me to set up the next set of payments like last time they told me that they were not allowed to call me since my payments were up to date. I told them that it wasn't fair to lead me to believe that they would call me to set up the additional payments and then not do it. On top of this I told them that I was in a FEMA declared disaster zone ( I was out of work and dealing with flooding in my house ) and asked them if they could put a hold on my account like all the other credit card companies were doing, they told me to call Citi bank. I called Citi bank and they told me to call XXXX XXXX which I did and they told me that only Citi could authorize this ; they did tell me that they were offering a temporary hold for their current Customers due to the hurricane but that I would have to call XXXX to ask them ; XXXX again told me that only CITI could do that. I started paying immediately after finding out that the payments that were set up were over and Citi is still reporting the payments as late on my credit report. I think it's really unfair that they could do report whatever they want without offering their former customers who are paying of their debt a reasonable method to address any issues. I've called Citi numerous times and all they tell me is to call XXXXXXXX XXXX   and when I do call XXXX they tell me to call citi, there is no accountability anywhere and no way for me to address these issues.
Product: Credit card or prepaid card

I called numerous times, sent 3 certified letters. 2 stating facts that I have not received credit for return which a credit was issued for back on XX/XX/2022. Finally got a letter from them dated XX/XX/2022 stating they needed documentation of the credit. I sent 2 letters from company stating the purchase AND the return credit being issued, certified again. Have called, no reply. They owe me {$210.00}. ( The original purchase was made on a card I lost, but they immediately replaced it. I sent them both card # 's. ) I have copies of all letters & receipts for certified postage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies. 
Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report 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 Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Product: Debt collection

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Product: Checking or savings account

XXXX XXXX  first created a problem when I always kept the bank afloat one day took a numberous authorized other wise termed nonauthorized at the time, withdrawal, but that tipped them to unliking sometimes, talking me, out of removal of disputable fees, and I suppose that one, thing is a causation, but then I look at Unemployment payment that made the positive last time account on XX/XX/XXXX and what happened while I would have had the money, it was a waiver I signed not to repay them the {$500.00} aproximate amount, and yes XXXX did take that moment the moneyback, and nothing else, but then in negative {$150.00} dollars with refunds coming, and deposits as they call it coming through seemingly, I said please, and they lied and they said wait the phone you can not be jusitifed by name or phone number anymore, so I said you won't tell me the account is closed, you closed the savings account in XX/XX/XXXX without permission, and now because I asked about the last fee waiver, they just closed up, and said I am not identified by anything, and will not but allow me to log in and nothing is on the screen, and I think it's abusive, that in the smallest overdraft which isn't my fault, and they questioned me because the deposit was missing of all of a sudden, then, I am a victim of this report by bank, and no one will give me a straight anger free answer, and I am looking for {$5000.00} compensation if for all fees, and they don't then want to justify how I am to love for the rest of the time, without a checking account, and I am XXXX  so that means also citizen, and I feel this is a direct discriminational effort, and I want the state to know about that, and I wrote the President because as XXXX and usual at another position, I don't know how to say us it is well, for the bank system, please thou help,
Product: Debt collection

NP Group first contacted me, on a cellular phone # which has been mine for around 8 years, about a debt, which was not mine, on XX/XX/2017 at XXXX by robocaller, I spoke to their representative, informing them that I had no knowledge of the XXXX XXXX they were seeking and asked to be removed from their system. Calls followed the next day, where I again stated i did not know this person, and a third time, where I was accused of lying about having spoken to them the two previous days and when I told them to remove me was told by their representative that he was " not there to take orders ''. The first call was well within their legal rights, but the next two days of calls were in direct violation of both the FDCPA and the TCPA, as they had no business relationship with myself, and when I tried to get information on their company the first several times I was hung up on, before finally getting someone who gave me their address and calling back a separate number to complain. Since getting this number I have received periodic obnoxious calls, both for the XXXX XXXX they were trying to contact and a XXXX XXXX, neither of whom i have ever met, seemingly never having my cellular number removed from the debts and getting brand new harassment every time the debt is sold for a new round of collection attempts. I recognize that there is no legal recourse to have my number permanently removed from the debt documents, but after establishing that I was not the debt holder on the first call all subsequent communications should have ended, in subsequent calls their use of a robocaller for someone with whom they have no business relationship is a direct violation of the TCPA.
Product: Credit reporting or other personal consumer reports

Account was resolved as a paid deletion on a recorded line and it has been more than 45 days since I was promised that the collection information would be removed from all credit reporting agencies. Security Credit Service connected with XXXX XXXX to handle this account and payment was made and deletion and part of the recorded conversation with Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.
Product: Credit card or prepaid card

have XXXX of the credit cards with chase bank and this credit card was told about 7 years ago that was closed and no longer available to use, but i have been continuing making payments to this credit cards, I have sent letters to stop charging those high interests in the account with no luck they have continuing charge high interests month by month and increasing the minimum payment to put in perspective I have paid close to 1500 dollars this 2017 year and only have made a reduction in what I owe by XXXX dollars they have pocketed XXXX XXXX dollars in interests only this year I come to a point where could not made minimum payment anymore and they have doubled and tripled the minimum payment This is unsustainable to my poor economy. I need your help is really closing this account and they stop charging interest and lower the minimum payment.
Product: Mortgage

My husband and I were looking into solar power to cut down on our electric bill. We talked in our home with XXXX XXXX representative XXXX XXXX. He presented how solar panels could save us money. Since I had the better credit, we did the contract under my name. Nothing happened for months ; unable to reach XXXX XXXX, so asked for another representative. On XX/XX/2022 my husband passed away. I called XXXX XXXX and told them I needed to cancel the project, as my Husband had passed away. I have XXXX XXXX XXXX, and the stress and heartache of losing my husband in a sudden death, my XXXXXXXX XXXX got much worse, and my XXXX increased my XXXX  and warned against another fall, he would put me in a XXXX rather than my XXXX. So when I called to say I couldn't go through with the project since I didn't have my husband 's income, and I didn't make enough on XXXX social security to pay for the XXXX contract. A representative from GoodLeap, who I'm not sure how they got involved, named XXXX XXXX. I explained that I was unable to go through with the solar project, and nothing had been done towards work on the solar panels, so I needed to get out of the contract. She ( XXXX ) told me " no worries, we can loan you the money to pay off your solar bill ''. I had 100 % equity in my house at the time. She was very pushy about getting a loan to make sure I could afford the solar project ( $ XXXX ) and also get cash out to use for myself. She said don't you want a new car, travel, or buy new clothes? I was in a panic. XXXX XXXX knew I was in a tender condition, and I feel she's a predatory lender, seeking folks to loan money they know they can't pay back, and foreclose on them. I was in no condition to make such decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency XXXX XXXX XXXX XXXX stated that they don't report to credit bureaus. I contacted the company XXXX XXXX XXXX XXXX whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted Experian to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to Experian and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by Experian for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
Product: Mortgage

My mortgage was transferred from the mortgage originator to a company called The Money Source Inc. ( TMS ). On XXXX XX/XX/2020, I received the required notice about sharing of personal information, along with a letter about Requests for Information. The cover letter itself and the document number on the top of the Personal Information notice are perfectly clear, crisp, print ; but the notice itself was faded, and the section listing the website to visit in order to limit sharing was unreadable. Because of the clarity at the top of the page, there is little chance that this is an isolated misprint.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, US DEPT. OF EDUCATION/XXXX, US DEPARTMENT OF EDU , XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU , XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, US DEPT. OF EDUCATIONXXXX, US DEPARTMENT OF EDU XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I opened account will PayPal credit an was using electronic billing statements to view an keep track of PayPal credit. My first purchase went through fine and I made sure PayPal payment method was pointed to my debit card. After second purchase went through my payment method was changed back to PayPal credit. I XXXX XXXX XXXX XXXX XXXX an I say they tampered with my account. They refused reversal an I was forced to contact seller for reversal. I fixed that issue on my own, another problem fallowed one after the other. When I started PayPal credit to told me in order to make payments to PayPal credit. I had to go out of my way to get them bank account routing numbers or mail them a money order. So I opened new account with XXXX XXXX. My first payment went through fine. My second payment was declined by the XXXX XXXX  with funds in account. The XXXX did this without putting it in writing. That they no longer offer bill pay services just 30 days after I started account with them. I sent out money order after XXXX XXXX  declined my payment ... Right after bill was declined PayPal would no longer let me view the electronic billing statements for the PayPal credit services. They started out by saying there is a security issue. They blocked my public IP address an I had to use VPN to regain access to view PayPal account. Later they told me mix words security issues we are updating our policy an our web site and it took them 60 days. Once they reopened my account billing statements for PayPal credit they were still gone. They refused to tell me anything except for the very last second. When they already sent my bill to the collection in PayPal credits private collection agency. I ask them what happened they said we never got your payment. I sent {$150.00} money order by mail and on record I never made payment 's I always paid the full amount. Despite them losing my money order they hid my billing statements refused to mail it or show electronic statements. They also from the very beginning refused all debit card 's an said they are not allowed to be used to make payments with our PayPal credit services. That I needed bank routing numbers or check or money orders. As I was speaking with there collection the guy just said we take debit cards. I go what?!!! you made me get another bank account to make payments. The guy said no we can take Debit cards over the phone, who told you that? Here we go now I have provide evidence. I ordered them to close account in order to save my credit report. They took {$150.00} from a XXXX person an I pay my own medical bills. I made a complaint to XXXX and later on the phone with PayPal they said we are PayPal credit. I also found out PayPal owns XXXX XXXX an caused billing failures from all directions. I never given a chance to cover {$60.00} on fast-food. It's only thing causing interest. So XXXX XXXX, PayPal an PayPal credit work together to cause me hardship. This bill is 60 days old because PayPal lock it down for 60 days an they still refuse to let get copies of billing statements for PayPal credit services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

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

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

15 USC 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. 


Capital One reported on XXXX XXXX for {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please remove these files. 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 XXXXXXXX XXXX {$140.00} ; If Experian and XXXX feel there is a possibility these items belong to me XXXX will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX  INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.