23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX  then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, EQUIFAX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.
Product: Credit card or prepaid card

I filed a complaint on XX/XX/2021 and have yet to hear from the company. Citi Visa has not paid me what is owed to me, as I made a balance transfer of funds, to pay my account in full, but they owe me {$140.00} and change. I am still waiting for the check They made the choice, on their own, to close out my Costco Account. I have made attempts, to clear up their misconstrued account of events, but they don't listen. 

I want my money. They know they owe me, but won't pay, even though they have been paid in full. I paid them {$1500.00} when I actually owed them {$1300.00}. I could not find out what I did owe, as they closed out my internet access to my account. 
So, now they just let that sit until it reaches {$1500.00} ... and not pay me the difference. 

A bad company to do business with. No customer service, you can't get a live person on the phone. Citi Visa.. don't do business with them.
Product: Credit card or prepaid card

I use my XXXX  XXXX  credit card solely to benefit from the rewards program. I have pristine credit. I have a strong history of paying off my balances in full as soon as they appear on my statements. I receive paperless statements, which has not been a problem until recently. XXXX XXXX switched to Capital One in XX/XX/XXXX. I made a purchase in XX/XX/XXXX. I thought I had pause this balance in full in XXXX. I never received an email regarding an outstanding balance. I made another purchase in XX/XX/XXXX at XXXX XXXX and was expecting a statement, which I received in late XX/XX/XXXX. When I logged into my account, I saw that there was an unpaid balance and that I had been accruing late fees and interest on that balance for several months despite never receiving any email notification prior to this about a past due balance. I called Capital One and after spending over 45 minutes on the phone with various customer service representatives, they would only remove the most recent late charge and interest. I paid in full the outstanding merchandise total while on the line. A supervisor consulted with their technology team regarding the fact that I was not receiving previous email statements and that they were not in my spam folder either. I was then asked have you gotten a new phone recently? To which I honestly answered yes around the holidays in XXXX. Per the supervisor, due to my yes, there was nothing further they could do for me because the missing emails were as a result of a new phone. But yet I suddenly receive an email statement in XXXX after not doing anything within my phone to enable that?!! I have NEVER heard of such a thing as an excuse. I am fortunate that the over {$100.00} in fees and interest on a ~ {$300.00} purchase is something that I can easily afford but am infuriated to pay. Other consumers are not in the same position and this type of response is beyond unacceptable from Capital One. It is despicable. Consumers BEWARE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.ENHANCED RECOVERY XXXX UNAUTHORIZED ACCOUNT 2.XXXX XXXX XXXX/XXXX XXXX UNAUTHORIZED ACCOUNT
Product: Debt collection

I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector
Product: Credit card or prepaid card

I made a online purchase of {$800.00} with XXXX with 75 day 's delivered guarantee or full refund on XX/XX/21, I was given a fake tracking number that doesn't exist XXXX, saying it was delivered to my home. I contacted all major shipping carriers, the tracking number exist. 
Its XXXX XXXX haven't received my items or good 's yet! 
I dispute a claim 3 months ago and still Citi Bank keeps telling me I'm the responsible person every 30 day 's or so. 
I'm very agitated, plus I keep getting broken up speaking English people in the dispute specialist that doesn't even care. I have tag all documents proof about my order I need help.
Product: Credit card or prepaid card

I think it's a scam call. She claim calling from citi bank which owns my citi card. However, she claims she needs my debit card or check number, or checking account number. The credit card should have the my debit checking account number. It's ridiculous The number is calling from XXXX and she said her name is XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Disputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXX-disputed balance for XXXX but didnt remove
Product: Debt collection

Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).
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 XXXX Acct # XXXX XXXX XXXX  Acct # : XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  Acct # : XXXX XXXX XXXX Acct # : XXXX XXXXXXXX XXXX  Acct # : XXXX 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 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, that than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I got a message from XXXX saying that there was a problem with the website and my information my have been seen on the website. I was XXXX  with XXXX and when I was in the XXXX  someone got access to the account and used money when I was in the hospital. When i got out of the XXXXl .I could not talk clearly. I email key bank and got a letter in the mail saying they got the complaint. I don't receive anymore information from them so I called and was informed there was no complaint so I file another complaint. I didn't get a response so I called again and was told that my account was closed. After that I got XXXX letters from my bank about identity theft and was denied.
Product: Mortgage

On XX/XX/2022, my bank mailed a payment to my mortgage company for the XX/XX/2022 payment. The company received the check on XX/XX/2022 and has not applied the payment. They are now charging me a late fee. 

On XX/XX/2022 a payment was sent for the XX/XX/2022 payment. The company received the payment on XX/XX/2022 and waited until XX/XX/2022, nearly three weeks later to apply the payment. 

This company continues to do deceptive things to trick homeowners into additional fee. I have called and asked to speak with a supervisor and no one calls you back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is breaking the law by not allowing me to dispute inaccuracies on my credit report. They claim they are not obligated to re-investigate, when by law I am permitted to submit my disputes as many times as I want. They do not allow re-investigations which is against the law. I have filed a complaint with the FTC as well. These accounts are not mine and should be removed, however Experian refuses to allow my disputes to be processed claiming I am filing frivolous disputes. They are not frivolous as XXXX has removed the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX xxxxx
Product: Debt collection

I have a collection from this agency and another on my credit report, The agency i would be addressing today is I C SYSTEMS Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. XXXX Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is XXXX of the XXXX agencies holding me back due to a debt that is in fact not mine XXXX XXXX XXXX XXXX. I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX XXXX XXXX ), to even sign a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a XXXX XXXX loan or refinance my home. Please help.
Product: Credit card

On XX/XX/XXXX, Wells Fargo charged my Wells Fargo Active Cash Card {$2200.00}. The only description provided was " Fraud Disputed Amount '' on the charge itself in my " Transactions '' section on my online account. 

I did not receive any communication about this charge electronically or through mail before or after the charge. It has been 11 days since this charge was made on my card. 

Back on XX/XX/XXXX, someone hacked into my Wells Fargo online account and was able to access all of my accounts. They then took a {$2200.00} cash advance out on my Wells Fargo Active Cash Card. I was sent emailed notifications of this from Wells Fargo ( attached ) and I immediately called the Wells Fargo Online Fraud Department. They were able to close all of my Wells Fargo accounts and open new one 's for me. They then credited {$2200.00} to my new credit card account in order to offset the fraudulent charge. They followed these actions up with a mailed letter explaining how the whole situation had been resolved and settled. 

Then, randomly on XX/XX/XXXX, that {$2200.00} charge appeared on my card. 

I spent over 6 hours of time collectively on the phone, from XX/XX/XXXX, being transferred to almost every customer service department within Wells Fargo trying to understand why Wells Fargo made this charge on my card, and received no answer. Multiple Wells Fargo customer service representatives admitted that this charge was a mistake on Wells Fargo 's end, but did not know how to resolve the issue. Two of the Wells Fargo customer service representatives became frustrated with me and other representatives who transferred me to them, too. 

I also spent over 3 hours in-person at the XXXX, Texas Wells Fargo branch with a banker trying to resolve this issue as well, with no answer as to why I was charged this money, or how I can get the charge reversed. I was simply told both in person at the bank and on the phone with customer service that " you will receive something in the mail explaining this charge in 2-10 business days ''. 

I never received anything in the mail. My husband and I are now forced to search for a Consumer Plaintiff attorney and make a complaint here. This will significantly negatively impact my credit score it this is not resolved, as this charge put my card way over my credit limit for that account.
Product: Credit reporting or other personal consumer reports

Found out near the end of XXXX that my XXXX XXXX XXXX tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. 

From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. 

From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with XXXX, I received a result from XXXX on XX/XX/XXXX stating that the dispute had been denied as BoFA presented " evidence '' and certified that the information was accurate. 

I was guided to find the " evidence '' from the company that reported the information " BoFA '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of BoFA, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. 

I brought the new information to XXXX with a new dispute claim and requested a review, requesting the evidence that BoFA would show to XXXX to refute my dispute. 

The result from XXXX on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence BoFA used to certify that the information was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX  account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Product: Debt collection

On XX/XX/XXXX - I called to let Portfolio Recovery that the debt appears to be fraud. I asked them to validate the debt by sending me the original copy of the contract that I signed and the bank account that was paying the debt. They told me that they didn't have access to all of the information that I asked for and will only provide what they have. I then asked for the laws of Alabama and FCRA and I was hung up on. I spoke to XXXX representatives : XXXX XXXX XXXX XXXX, and another one which is who hung up when I asked to provide the IP address or original contract to ensure that it is my account. Portfolio Recovery continues to say that it's my debt, but will only provide XXXX credit card statements and a seller notification. I want to see that I signed for this debt and no one has stolen my identity since there are XXXX other mailboxes beside my home. 

Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$560.00} XXXX updated XX/XX/XXXX