23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I created a XXXX XXXX XXXX account in XXXX. The account shows on my credit bureau correctly. However another account appears in XXXX. Someone uses it to add money to a secured card and use it. I reported it to XXXX XXXX XXXX  and to my bank as fraud. Then bank eventually stopped funding the transactions, when we couldnt get any where with customer service on closing the account. Both my XXXX account and my XXXX account the identity thief had access to. They used this account to fund the XXXX XXXX that was deleted for fraud. This account does not belong to me, even though they charge my real bank account until I could figure out what was going on and place a block with the bank to stop it.
Product: Credit reporting or other personal consumer reports

The date XXXX was legally forced to transfer the account to XXXX is XX/XX/year>. 

The date of account payoff and closure is XX/XX/year>. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/year>, XXXX has XX/XX/year>, and Experian has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/year>. See attached.
Product: Mortgage

I refinanced my house in XX/XX/XXXX and XXXX XXXX XXXX has been the loan servicer. I do not have any issues with XXXX XXXXXXXX XXXX. When I came back from a 1 week vacation on XX/XX/XXXX I had a letter from XXXX XXXX stating that my Loan Servicing is being transferred to Flagstar Bank. The letter has a notice date of XX/XX/XXXX. The letter states that as of XX/XX/XXXX I should send all payments to the Flagstar Bank. My payment is due on XX/XX/XXXX. It is XX/XX/XXXX and there are only 3 more business days until my next payment is due. I have not heard anything from Flagstar. I proactively went to their website and tried to register to set up payments but I am not in their system and was unable to create a login. I find this unacceptable. I do not think it is reasonable for me to have to get a payment to a new servicer in less than a week nor is it acceptable to be left in the lurch about what is happening. The following is the contact information that XXXX XXXX provided for Flagstar Bank. 

Flagstar Bank Customer Service Department XXXX XXXX XXXX XXXX, Mi XXXX
Product: Checking or savings account

I received a call from XXXX XXXX XXXX. They called from phone number XXXX. They stated that I owe Wells Fargo {$840.00} from several years ago. Informed them that if I didn't pay they would freeze my accounts and prevent me from having another checking account or credit card ever in life. They also threatened to sue me. Somehow they had all of my information. The rep was absolutely rude and I ended up hanging up on them.
Product: Credit card or prepaid card

I am writing to you about a canceled reservation on XX/XX/2022, using my cash app debit card. We never went to the hotel due to an illness. I tried calling the cash app support team and was rudely hung up on by them for weeks. I asked to be connected to a supervisor and was denied and hung up on again and the a text message came to my phone saying that my request for my own money was denied. This kind of behavior is very disrespectful and disturbing and not a good or professional look for their company.
Product: Debt collection

I was a victim of identity theft and theres a company named : ACIMA DIGITAL FKA SIMPLE reporting a charged off closed account under my name that was due to IdentityTheft
Product: Credit reporting or other personal consumer reports

Incorrect birthday on XXXX. 
Incorrect Names on transunion. 
Incorrect address and name on XXXX. I am aware of being able to sue them for incorrect items reporting. I reached out several times to no avail. Several collections on my account whom I have never heard of as I did not do business with these individuals. I am attaching my DL and a bill to update addresses.
Product: Checking or savings account

I filed a dispute with my bank TD bank. They denied my first dispute within XXXX hours even with a police report and then i had to open a new claim again about XXXX more times with the police report updated and supplemental information added. I sent them a copy of the new phone purchase and the fact that I am a victim of theft. The transactions in question are fraud and I want them to do their job and please investigate the transactions throughly. They still have not issued a provisional credit with all the proof I sent them. My life has been turned upside down because of this and I have a family to look after. Please!
Product: Debt collection

I have addresses tied to my credit report that I've never live in my life. One account is from XXXXXXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years ( XXXX ). According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Product: Credit card

I had several accounts through Synchrony Bank. Most were store specific cards, one was a line of credit, and one was a mastercard. Periodically I would check to see if i was eligible for a credit limit increase. Less than two weeks ago several of my accounts were increased, then a little over a week later all of my accounts were closed with no warning or explanation. One of the accounts paid for my medication that is needed monthly. When I reached out to inquire about the issue, that i had assumed was a glitch, I was first told that it was transunion that closed them. Next I was told something else. Then lastly i was informed that they were closed due to being a credit risk. I could understand this if I had created an issue, but all of my accounts were current with most at a zero balance. I kept all accounts linked to an auto pay and the autopay was linked to not only two active accounts, but also linked to revolving line of credit loans in case of an emergency. All accounts were kept under a 10 % credit utilization with most being 3 % or less. Several of the accounts were active on a weekly basis. I could understand if Synchrony had chosen to reduce my credit limit. I could even understand if they had chosen to temporarily suspend my accounts pending further investigation, or even closed a few of the low activity accounts. For them to close them all without a legitimate cause though is unacceptable, especially without even the courtesy of an email, text or phone call. What would have happened if i had not caught it before my medication was due? Or how about if i was out of town and had an emergency or got stranded somewhere? Not to mention the damage this will cause to my credit report. Their solution was that i could reapply, which would cause even more damage to my reports. I am not the only one that they have done this to and it needs to stop. Synchrony needs to be stopped.. If they can't be a legitimate bank and take care of those that do nothing wrong, pay their bills, etc then they need to close for good. Thank you for your time and efforts
Product: Debt collection

I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
Product: Debt collection

I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.
Product: Credit reporting or other personal consumer reports

I request the CFPB 's assistance in ensuring that NATIONAL RECOVERY OPERATIONS : 1. Ceases any unauthorized access to my credit report in the future. 
2. Pays statutory damages of {$XXXX} for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
3. Takes steps to prevent future unauthorized credit inquiries from occurring.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I do NOT have an account with Upgrade Inc, ACCT # XXXX. Fact, XXXX is aware and has proof already from prior documentation of consumer laws, that XXXX XXXX is in violation of of 15 US CODE 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of ANY debt. I did not authorize any of the inquiries on my credit, and have no knowledge of the following inquiries : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 15 US CODE 1681I ( A ) ( 5 ) ( A ) ( I ) ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. THERE WAS NO CUMMUNICATION OR CONSENT, THEREFORE THESE MUST BE DELETED.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the inquiries in my file that resulted from alleged identity theft but I have some inquiries left that need to be removed. Per FCRA section 605 you are required to remove any inquiries listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDIT ACCEPTANCE CORPORAT with no successful resolution.  XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Product: Debt collection

This debt is passed the statute of limitations for reporting. This debt also does not belong to me. Please delete immediately.
Product: Checking or savings account

On XX/XX/2024 my account was fraudulently used for {$1600.00} under a XXXX transaction. I filed a police report. I have filed with the bank. They will not refund my money for the fraudulent activity, despite them initially telling me they would. Beyond filing the initial complaint, they did no investigation. I requested to be contacted by their investigator and was not ever contacted. This is a lot of money to be missing and I can not afford that.
Product: Credit card or prepaid card

On XX/XX/XXXX I wrote a check, # XXXX, in the amount of {$2700.00} payable to XXXX XXXX in order to close out my credit card account with it. The check was mailed on XX/XX/XXXX.
I received a letter from XXXX XXXX, dated XXXX XXXX XXXX, stating that it had not received the due payment. A call to XXXX XXXX  confirmed that the check had not been processed and due to the time lapse recommended I put a stop payment on check # XXXX for a fee of {$35.00}.
On XX/XX/XXXX I called XXXX XXXX to discuss the matter and the representative confirmed that my check had not been processed and that my account had incurred a late fee of {$15.00}. The representative told me that the late fee would be waived if I would make a " 1 time immediate on-line payment or automatic phone payment. '' I asked to be transferred to a supervisor for expedited payments. The representative agreed to transfer my call however after a 30-minute hold, I hung up and opted to file an on-line complaint via Synchrony 's website, which promised to respond within 3 business days. I did not receive a response.
I called my bank to set up the stop payment on check # XXXX and I made the 1 time phone payment of {$2700.00} to Synchrony via a funds transfer from my account.
XXXX XXXX XXXX failure to process my XX/XX/XXXX payment in a timely matter resulted in my incurring a stop payment fee of {$35.00}.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  a couple years ago. I was behind on payments and XXXX day it disappeared off the street so I assumed it had been repossessed. Yesterday I got a text from my step mother stating XXXX XXXX received a call from XXXX XXXX with XXXX XXXX XXXX XXXXXXXXwants to discuss payment plan. I wouldnt give him your number but somehow he has mine.Anyway hope you guys are well love ya, XXXX. I called him back but he didnt answer so I called back today and he told me its about the XXXX and theyre looking to repossess it. I told him I thought it was already repossessed so I dont know where it is and to not contact me again. Isnt it illegal to discuss debt with my family? Telling my step mother that he wants to set up a payment plan sounds a lot like hes discussing my debt with family. He also called my mother and my wife but never called me once.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the outdated account  XXXX   XXXX , account number  XXXX . This account was opened in   X/2005 .This  account is almost 10 years of age which exceeds the time-frame to be considered as old or outdated. This account is not attached to any account and other credit bureaus deleted the outdated account however Experian has refused to acknowledge and honor that the account is outdated and has failed to remove the old  XXXX   XXXX  account. I am asking for you to please delete the account and if you verify, I am asking for verification as to how it was disputed and the name of the party who verified. I do not understand how verification is considered for an old account that is too old to be on the credit file but please provide the information so that  I may o btain legal assistance to have the old creditor removed and I can demonstrate that I have went through proper protocol for the deletion of the old debt.
Product: Checking or savings account

My wife and I have called Citibank XXXX times over the past XXXX weeks. I am unable to log in to see any of my accounts including my Citi XXXX XXXX card. This is due in part to me having a checking account in which I never received a debit card for, but used it to wire money nearly a year ago. Because I cant verify my Citi Checking account number or the debit card ( and I have verified all security questions, SS #, etc. ) they are unwilling to unlink my checking account ( which I NEVER use, and has maybe {$200.00} ) from my credit card account due to this, making it impossible for me to see my balance, pay my statement, check on fraud or anything in regards to my personal finances with Citibank and Citi XXXX XXXX card. They also refuse to send me a new debit card that way I could verify this because they cant verify my card ...... Seems completely assinine and inexplicably redundent and frustrating for a consumer, who is just trying to PAY THEIR STATEMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received my correct personal information along with identification correspondence per USPS certified tracking # XXXX on XX/XX/2022. Pursuant to 15 USC 1681, credit reporting agencies have to report accurate and up to date information, and Experian is in direct violation of this. Per my letter, I demanded Experian to delete all incorrect and inaccurate personal information and XXXX XXXX I received the dispute results, and Experian is still reporting incorrect and inaccurate personal information. 
Pursuant to 15 USC 1681a ( 1 ) this grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 
Pursuant 15 USC 1681a ( 2 ) - your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Delete this inaccurate and incomplete information immediately from my consumer report. If not deleted, my next step will be litigation.
Product: Credit reporting or other personal consumer reports

I found inaccurate collection entries, including XXXX XXXX, XXXX XXXX XXXX ( 2 accounts ), and XXXX XXXX. These violate FCRA 1681e ( b ) & 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to American express asking that all derogatory / late payments and all negative trademarks be removed on my credit report, it was a good will gesture I have not heard back and it makes over 30 days.
Product: Debt collection

I am a victim of ID Theft. Please remove the following collection showing up on my credit report ASAP. Thank you
Product: Debt collection

Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 On XX/XX/2022 I was scammed by someone portraying to be from my power Company stating that my power will be shut off in 30 minutes. He sent me a text to confirm that he was from XXXX and he knew my exact balance ( {$180.00} ) I said that I can make a payment to stop my power from being turned off. He said that they will only accept payment through Zelle, because Zelle is linked to your bank and they are there to protect you so that if someone was scamming you, then XXXX would notify you immediately.. I was unfamiliar with Zelle but remembered seeing it when I got on my mobile banking app thru XXXXXXXX XXXX. So with him knowing my exact balance, sent me a text with a verification code and explained how XXXX was there to protect me, I bought it. I thought back to when years prior XXXX would call me when there was suspicious activity and even closed my debit card on XXXX XXXX due to fraudulent activity. 
I was already late for work and so I started with {$100.00} payment, he said XXXX said you have to send {$180.00} then he said you actually have to send the full balance of {$180.00}. He said he'd refund the other transactions. My total payment was {$470.00}. 
When I got to work and tried calling the numbers that he called me from the numbers were disconnected. I contacted Zelle immediately, they said to contact my bank, So I called XXXX and they stated that they would have to wait until the transactions posted to my account which could take 24-48 hours. I also contacted the XXXX Police Dept., FBI, Attorney General, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Chase Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Product: Credit reporting or other personal consumer reports

I have requested my inquiries be removed from my Experian and equfax and transunion report to date still has not been successful. I have tried everything but it is being ignored.
Product: Credit card

I have consistently made sure that payments on this account are made on time, avoiding any overdue situations. I am uncertain about the causes of the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.