23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Two of my accounts at BB & T ( one checking, one savings ) were fraudulently accessed by an unknown person ( s ) with access to my SS number and my previous name ( I am divorced and took my maiden name back 7 years ago ). They also set up a new account online at both XXXX XXXX and XXXX XXXX in my previous name and SS # and after transferring trial credits and debits between my account and their new accounts at XXXX XXXX and XXXX XXXX,  proceeded to transfer {$12000.00} in installments into the XXXX account. They also changed my email address on my profile at BB & T so I did not receive any emails regarding the transferred funds. The XXXX account was openedXX/XX/XXXX and closedXX/XX/XXXX. The account at XXXX XXXX was opened/closed within days betweenXX/XX/XXXX and XX/XX/XXXXand except for the trial credits/debits, had no activity. In addition to lost interest due to my BB & T balances being lowered due to the money transfers, I have lost {$12000.00} plus {$12.00} in bank charges for four separate transfers totaling XXXX ( {$5000.00}, {$5000.00}, {$2000.00}, and {$500.00} ), as well as {$7.00} for certified mail to file a fraud alert with the FTC. BB & T has denied my claim of identity theft and have advised me that the funds were transferred to an account that was opened in my name and SS #. XXXX XXXX is telling me that they are not responsible for my loss and it is BB & Ts responsibility. XXXX XXXX has approved my claim but I never lost any money to that bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

Around Spring of XXXX I was underemployed and fell behind on my two Citi credit card accounts. I called Citi to figure out a payment arrangement ( according to their records, on XX/XX/XXXX ). The arrangement was to make the accounts inactive, consolidate them, and for me to pay $ XXXX/month toward the outstanding balance until the bill was paid off, which was to be automatically deducted from my primary checking account. Every month, I have {$50.00} deducted from my checking account to pay towards what I assumed was our payment agreement. For over two years, I have been under the assumption that I was paying toward the total as agreed. 

In XX/XX/XXXX, I received a court summons from a debt collector called XXXX XXXX, XXXX, who claims to have ultimately bought the debt of one of my credit accounts from Citi in XX/XX/XXXX. The outstanding balance on the account was listed as the same amount as the final statement I received from Citi in XX/XX/XXXX, which was {$2900.00}. According to the summons, Citi charged off the account on XX/XX/XXXX ; 11 days after I made my payment arrangement with Citi. 

In XX/XX/XXXX, I called Citi to talk to a representative about this situation. After getting passed around through a half dozen agents, someone was finally able to locate my apparently defunct account information. The agent confirmed that I spoke with a representative on XX/XX/XXXX, and created my payment arrangement of {$50.00} per month towards my outstanding balance. The agent then said that the account was sold to XXXX in XX/XX/XXXX, but gave no reason as to why or how. When I pressed that this was all clearly done in error, the agent seemed to agree that it was a mistake, but was adamant that it was no longer Citi 's problem anymore, and that I needed to contact XXXX to work out payment with them. I had the agent send me the statements of the defunct account in question. 

After receiving the statements, the most recent statement reads that the minimum payment due is {$50.00}, is due on XX/XX/XXXX, and that I am in a payment program. All of which confirms what I am saying, and that this was done in error. 

In short, I am being sued by a debt collector, Unifund, due to an error made by Citi regarding my account that was in a payment program that I have been paying toward. Citi, or at least the agents that I have spoken to, seem entirely uninterested in helping alleviate their mistake. 

Side note : After 'answering ' the initial summons, the plaintiff, XXXX, has made a list of requests that I find would be next to impossible for any normal person to fulfill given any amount of time, much less than 30 day time period in which they dictate a response.
Product: Student loan

I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my credit inquiries are using an old physical address that I need to have changed to my po box as I am a XXXX XXXX XXXXXXXX veteran and can only utilize this po box at this time for the Safety of receiving future Credit card offers!
Product: Debt collection

I have no knowledge of this account. I currently have internet and cable accounts with this telecomunications company XXXX XXXX XXXX and they have no knowledge of this debt. This collection agency keeps calling me threatening to come to my place of residence or work threatening to take me to court in order to scare me to pay this unknown debt. I have asked them to provide me with proof that this is my debt and they refuse. I do not know what more to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit card or prepaid card

I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX  XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.
Product: Checking or savings account

I am filling a complaint against capital one. Regarding the deceptive practice related to their 360 high yield interest savings account. Capital one misrepresented the 360 savings account as having one of the highest interest rates. But failed to notify their account holders about the superior offered 360 performance savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset  Amount : {$0.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong social and wrong accounts not mine fcra violations see attachments
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  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 my 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 XXXX 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  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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX I think of last year I reported to all three credit bureaus that I seen inquiries on my credit report that I Don't recognize or acknowledge ever approving will XXXX has deleted most of what I reported to them but on the other hand Equifax refuses to delete or even investigate any of my inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2015, I called Synchrony Bank, to pay {$190.00} to my Amazon Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. Synchrony refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by Synchrony Bank is unfair and unjust and it violates FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at EPERIAN, XXXX XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i reside in XXXX XXXX Nevada i have been here sinceXX/XX/XXXX, i am a registered voter and i have my Nevada identification state cards fromXX/XX/XXXX to present XXXX which i just provided to Cfpb. There is a chapter XXXX bankruptcy on my credit file for US bankruptcy XXXX Alabana from XX/XX/XXXX But there are no accounts on my credit reports to support this. I contacted the courts and they advised me to take up with the courts. Also the US Bankruptcy Clerk advised they do not disclose information to 3rd parties. Such as lexisnexis who provided this inaccurate information to XXXX  and XXXX I did not file a chapter XXXX in Alabama in XX/XX/XXXX. I was living and working in Nevada in XXXX. Also there isnt one account on my credit report that shows included in Bankruptcy to support their findings. I am asking for supportive documents to proove its mine, accounts included, and how verfied. lexisnexis possibly have me mixed up with my daughter. similar names can be mixed up and reported in error. My daughter has same name as me .and she resides in Alabama XXXX How can i obtain a residence, drivers license, and job, voters card, lease from XX/XX/XXXXshowing my residence here in Nevada and file a bankruptcy in AlabamaXX/XX/XXXX. doesnt makes since.
Product: Debt collection

Company Name : XXXX XXXX XXXX. 
Company Representative : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX Case Number : XXXX Complaint Summary I am submitting this complaint to the Consumer Financial Protection Bureau CFPB regarding my ongoing dispute with XXXX XXXX XXXX  XXXX and their legal representative, XXXX XXXX XXXX XXXX, who are attempting to collect a debt from me. Despite XXXX XXXX having charged off the debt, they are still pursuing collection efforts. XXXX XXXX claims to be the original creditor, yet I have requested the original signed contract and chain of title to verify the debt, but they have not provided these documents. The paper statements they have submitted do not adequately prove that I owe the debt. 
Details of the Complaint Charge-Off and Debt Collection : XXXX XXXX has reported this account as a charge-off, yet they continue to attempt to collect the debt. According to debt collection practices, once a debt is charged off, it typically indicates that the creditor has written off the debt as a loss. I question why XXXXXXXX XXXX is still pursuing collection on this account and whether they have the legal right to do so. 

XXXX XXXX as Original Creditor : XXXX XXXX claims to be the original creditor for this debt, but I have not received sufficient documentation to support this claim. I have repeatedly requested the original signed contract and chain of title to verify that XXXX XXXX still holds the legal right to collect the debt. Without this documentation, I am unable to verify the validity of the debt. 

Failure to Provide Documentation : I have filed a motion to compel discovery in court, but XXXX XXXX XXXX XXXX, representing XXXX XXXX, has not provided the necessary documentation. The paper statements that have been submitted are not sufficient to prove the debt or the validity of their collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time that I've filed a complaint against Experian and STILL I am not able to remove this fraud alert. I've submitted a written request with required documentation TWICE, first in XXXX and again 3 weeks ago and they STILL haven't remove this fraud alert. I submitted the required ID, ( DL & PP, even tho only one was required ). I also submitted 2 current pieces of mail. I sent the letter registered mail and received confirmation that they received it the very next day but they STILL haven't removed the fraud alert. Further, the website states that the fraud alert is a 7 year alert. Yet I've been getting denied credit since at least XXXX when I couldn't get an apartment in VA because they couldn't get the Experian credit report. That was EIGHT years ago. I've only ever had one instance of fraud and that was cleared up with the vendor itself, NOT Experian. Further, everytime someone requests my report and Experian wont ' release it, my credit score STILL drops on average 40 points and the vendor NEVER tries to contact me to verify identity even though they claim they do but the phone number and the email address is on the application and they never contact me. I called the XXXX phone number and that number is like circular XXXX. It only allows you to put a credit freeze on your report but does not give you any guidance on removing a fraud alert even though it alludes to fraud alerts. They wording changes from fraud to freeze but don't allow you to remove a alert, only place one. I'm exhausted in trying to deal with Experian. I've done what is required of me TWICE ( in XXXX and again 3 weeks ago ) and they still won't release/remove this freeze and it's killing my credit score which is probably why they refuse to remove it. I've attached a copy of the letter that I sent to them and it included my DL, passport, and 2 current bills WITH current address as well as extra information that they didn't ask for just  so there wouldn't be any issued in proving my identify and STILL NOTHING!!
Product: Credit reporting or other personal consumer reports

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Amex that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Product: Credit reporting or other personal consumer reports

i sent letters to the cra 's on XXXX, for reporting inaccurate and incomplete information on my credit report they they deemed verified. they have violated 15 usc 1681eb and 15 usc 1681s-2b for not deleting inaccurate information from a consumer credit report. plus i have paid rentdebt automated collection in full and they need to delete the account from my credit report.how can XX/XX/XXXX XX/XX/XXXX verify something to the cra 's when they haven't verified anything with me
Product: Credit reporting or other personal consumer reports

I filed a dispute months ago a request for verification of authorization to pull my credit but the credit replied back as verified but never sent a copy of all proof. I do not recognize this creditor nor did I authorized them to pull my credit.