23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my  XXXX  credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  CREDIT PLUS  XXXX    XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had  ( 2 ) two b ills sitting in  collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX  P  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX. Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Bank account or service

I signed up for a CitiGold Checking Account with Citi Bank and was enrolled in a promotion to earn XXXX XXXX XXXX miles after a specific set of requirements was met. This was in XX/XX/XXXX I believe. I fulfilled the requirements for the bonus in XX/XX/XXXX and, after I contacted Citi, was informed that I had indeed earned the XXXX bonus miles and they would be credited to my account within 90 days. Now, it has been over XXXX days and I still have not received the miles. I have talked to several representatives at Citi and none were able to resolve my issue. It now appears from they way they are handling the situation that they are not going to issue me the miles at all.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Equifax has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Equifax reporting on-time payments until XXXX XXXX 30 days late XXXX 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 2.This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXX XXXX 30 days late XXXX XXXX days late then reporting XXXXXXXX XXXX 90 days late in XXXX 60 days late and in XXXX 90 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 3. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXXXXXX XXXX 60 days late XX/XX/XXXX on time XXXXXXXX XXXX 90 days late XXXX XXXX 120 days MXXXX XXXX 120 days XXXX XX/XX/XXXX on time? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days
Product: Debt collection

I owed {$1600.00} to the XXXX XXXX XXXX during my final year in college- 2016. I attempted multiple times to pay this debt, and wrote them a check requesting that it be submitted after a certain date.

They ran the check before the requested date and it bounced which charged me on the bank side, and on their side.

If they would have cashed the check on the day I requested ( my pay date ) they would have had their money on time and not submitted me to collections.

Additional charges were made to me such as a tax warrant penalty, filing fee along with penalties and interest they had made against me during the 5 months after the debt being due.

I made payments to the XXXX XXXX XXXX to absolve this debt.

The XXXX XXXX XXXX  submitted this to a debt collector called Harris & Harris , Ltd. in XXXX, IL The amount I owed them was {$1700.00} which I payed within a few business days of this claim.
Product: Mortgage

I've had problems reconciling the escrow balance on a document CMG Mortgage sent me. I've spent over 20 hours on the phone trying to rectify the situation. I've been calling for 2 months, over 15 calls to the presidential complaint line XXXX and they have not ONCE called me back despite the fact that they claim a 48 hour response. The will NOT talk to me on the phone or allow me to send an attachment to them, that THEY mailed me to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out application for apartment. I was denied lease due to alert on from consumer report. The alert stated : Inquiry information matched potential fraud ID data- credit file is unavailable. Please have applicant contact XXXX at XXXX. I spoke to XXXX representative and was told that there are 18 inquiries on my account. I need to dispute the inquiries that are showing.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX  XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of ( 2 ) information items of information. Any other adverse item of information, other 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: Debt collection

XXXX XXXX University did not properly request funds from the VA after confirming I provided the documentation needed. The VA stated they never received the request, the school pushed it to a debt collector who is harassing me. The school it at fault for not requesting the funds or stating they needed more information from the VA. 

Current Creditor Account Number ( Last 4 ) Balance XXXX XXXX XXXX XXXXXXXX {$3500.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due for Account ( s ) Listed XXXX XXXX {$3500.00} XXXX XXXX XXXX ( XXXX ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

This information on my credit files is inaccurate and does not belong to me. My personal information was in XXXX, Equifax, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over XXXX inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over XXXX XXXX XXXX on my credit files and it has reach its limit and i would like it removed.
Product: Credit reporting or other personal consumer reports

I requested a 1099-c from system services technology over a year ago on an account that has been charged off and they have received tax credit for the acc I never received anything from them they never responded and this is my fourth time requesting this information so that I can be in compliance with the IRS and they want send me one.inclides is a copy of the Ira form I filed and a copy of my letter requesting my 1099-c for the XXXX time
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX of XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on my credit report.
Product: Student loan

I received an approval letter on XX/XX/XXXX stating that I was approved for XXXX XXXX as a full class member under the XXXX v. XXXX settlement. The letter clearly states that I am entitled to settlement relief for loan taken out after XX/XX/XXXX and as a result I will be provided a refund for any payments made on relevant loan that I have previously paid off. I reached out to Nelnet on several occasions to find out the status of my refund and my attempts have either been ignored or I receive an automatic response telling me to contact the Department of Education. The Department of Education then tells me to contact Nelnet. I contacted Nelnet on the following dates : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XXXX No response XXXX No response XX/XX/XXXX - No response XX/XX/XXXX - Submitted a case through XXXX was XXXX I would hear back in 15 days XX/XX/XXXX - Finally heard back from XXXX- they told me to contact my servicer directly XX/XX/XXXX - Contacted Nelnet received XXXX generic response telling me this matter is solely handled by XXXX XX/XX/XXXX - Contacted XXXX, XXXX a response telling me to contact my servicer ( Nelnet )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with XXXX, and Comenity/XXXX reiterated the 30-day late payment. I also find I was charged XXXX XXXX XXXX   on my account which I never signed up for.
Product: Checking or savings account

I opened an high yield savings account on XX/XX/XXXX. This is an online account because there are no branches in Colorado. I funded this account via an online banking transfer from XXXX on XX/XX/XXXX per Citibank instructions. Without notifying me, Citibank decided to block me out of my account on XX/XX/XXXX and to illegally appropriate my funds without allowing me to move them back to XXXX. I requested XXXX to reverse the transaction on XX/XX/XXXX and Citibank declined on XX/XX/XXXX. After many calls to Citibank with the XXXX department, I was told the issue was that because I funded this personal Citibank account with my business account funds under my registered business name. On XX/XX/XXXX Citibank verified twice with XXXX that I am the legal owner of my business, once while I was on the line with both Citibank and XXXX, and was told my account would be unlocked on XX/XX/XXXX. I called on XX/XX/XXXX and was told my account was still blocked and that they will retain my money for XXXX to 60 days and then mail a check. I complied with all the requirements they asked for. I do need my money now and can not wait for 60 days. Citibank is illegally keeping my money from me, blocking me out of my online banking and not agreeing to a reversal of the transaction to send money back to XXXX ( originator of the funds ). This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.
Product: Credit card or prepaid card

I filed a dispute onXX/XX/XXXX in the amount of {$100.00}. Epiccard/ XXXX XXXX XXXX program issued a provisional credit on XX/XX/XXXX in the amount of {$100.00}. The dispute was resolved in my favor and I recieved a letter from Eppicard stating that the provisional credit will remain on my account. The merchant XXXX whom the dispute was against also issued back the refund to Eppicard. On XX/XX/XXXX the provisional credit was reversed with no explanation. Since the letter stated that the dispute was in my favor and the provisional credit will remain, I did n't expect that my account would be debited the credit at a later date. As a result of the debit my account became negative, hence I did not recieve my monthly Stipend of {$100.00} on XX/XX/XXXX. Each time I contacted customer service, I was told that the credit should not have been reversed and they are submitting a tracker to the department responsible for crediting Back the {$100.00} to my account. I asked if I could speak to that department directly and was told by XXXX, XXXX, XXXX, XXXX, XXXX, XXXX a supervisor name XXXX and several other customer service representatives that they are submitting a tracker for me to recieve back the {$100.00} and there was no way for me to contact anyone else in regards to the dispute. These are just names of people I have spoken to monthly in the department that I contact to file the dispute. It 's now XXXX and 4 months after the reversal and I still can not get back {$100.00} that 's due to me. The dispute tracking ID number is XXXX. The tracking ID that the reps claim that they are issuing to their higher ups in regards to my complaint is XXXX. 
I contacted XXXX who gave me XXXX XXXX stating that they are the financial institution responsible for the card, after contacting XXXX, I was told by XXXX that they only make and sell the plastic to Eppicard and that they are not involved financially. 
Contacting Consumer Financial Bureau is my next step before filing a civil claim which cost {$50.00} in my state and then I 'll also sue for the court cost. I am hoping it can be resolved at this level. I will also hold XXXX accountable as this company is bearing its name. 

I was not able to upload the letter that states I can keep the provisional credit, but I have a copy and I also taped my phone conversations with Eppicard, the state of Oklahoma law states as long as one party knows it 's being taped.
Product: Debt collection

The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with XXXX XXXX XXXX. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, Nelson and Kennard, and informed them that they had the incorrect person because I never had a XXXX XXXX XXXXXXXX account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the XXXX number and will provide it in the end. However, my story doesnt end here. I contacted Nelson and Kennard, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, Nelson & Kennard and XXXX XXXX XXXX did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address Nelson & Kennard had when filing this suit. I discovered that Nelson & Kennard also had inaccurate address information, which was why I was never served with a lawsuit. 
Nonetheless, I have attempted to find an agreeable resolution with XXXX XXXX XXXXXXXX and Nelson & Kennard. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue. 
The police report number is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

We were trying to purchase a Westie pup and transferred {$700.00} through XXXX to the following account/transaction info : Contact Method : XXXX Processed : XX/XX/2021 Payment ID : XXXX This was transferred out of my Fifth Third Bank account. I figured out it was a scam when an email came from the shipper ( XXXX ) saying I needed {$1100.00} in pet insurance ( payable by XXXX of course ). This email was very fishy and the alarm bells started ringing ( I wish they had rung earlier ). 

After I figured out it was a scam I tried to get my money back and of course through the scammer email address and they disappeared with my money and there is no recourse through XXXX. The banks have really set up a pretty bad system with this platform. Scammers are having a field day on it. I should have know better but their social engineering skills were strong and my kids were jumping up and down in front of me wanting a puppy. Now we are both disappointed.
Product: Credit reporting or other personal consumer reports

I REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account s cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.