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

XXXX XXXX Secured Credit Card was paid to XXXX   balance and closed XX/XX/XXXX. 
The card charged {$3.00} per month for paper statements. I had online statements which were free. After I paid in full and closed the card, I get a paper statement in the mail with a {$3.00} fee for paper statement. I call the card service center in XX/XX/XXXX and was told it was charged in error, they are aware of the issue and it will be resolved soon. I was told I did not need to pay the fee and my next statement would show XXXX balance. The next month I got another paper statement and was charged another {$3.00} paper statement fee. I call again in XX/XX/XXXX. Same story, It's an error, we will fix it ... blah blah. But they did have not fix it. I called a third time in XX/XX/XXXX. The call representative said she saw the call records and said she would escalate this issue. I told her I am now being reported as 30-59 days late on my credit report due to these erroneous charges. This error has affected my credit rating and is being improperly reported. All three credit bureaus now report that I have a unpaid balance now of {$24.00} and am 30-59 days late. Capital bank continues to tell me that it is their error, and they will fix it, but now its still not fixed and has adversely affected my credit rating. I have never been late on this card, paid it in full to XXXX balance last XX/XX/XXXX, closed the card and even got my security deposit back.They have promised to fix this Monthly {$3.00} statement charge error but they have not and now my credit has been adversely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/year>, I was contacted by Lloyd & McDaniel regarding an attempt to collect a debt allegedly owed to XXXXXXXX XXXX  I was served with a statement of claim by Lloyd & McDaniel, presented as legal papers from a law firm and attorney, but they did not disclose that they were acting as debt collectors. This omission is misleading and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to clearly identify themselves as such in all communications. 

On XX/XX/year>, I was contacted again by Lloyd & McDaniel regarding a notice of intent to introduce business records. Once more, there was no mention that they were acting as debt collectors.
Product: Credit card

I don't know what other government regulatory agency to file this complaint with as when I went to XXXX to try to file this complaint against Citibank it directed me to your website instead. I have been on the pre-screen opt out list for XXXX or XXXX years now and I even called that number again when I got the last Citibank solicitation ( as I get XXXX almost every week in the mail ), to make sure I was on the pre-screen opt-out list. Citibank handles credit cards for not only their own company but many others like Best Buy and XXXX XXXX. They are sending me solicitations for both of the aforementioned companies. They don't seem to care about this list and seem not to be worried about any fines that might be levied against them or legal action that may be taken against them as a result of them ignoring this list. If your agency can't do anything about it then I would like someone to email or call me and tell me what agency I can file a complaint with regarding such a matter.
Product: Checking or savings account

I opened a business account with Chase on XX/XX/XXXX. 
I've received a payment ( {$57000.00} ) from my contractee on XX/XX/XXXX. 
However, my account was locked and subsequently closed on XX/XX/XXXX because they could not verify that the payment was intended for me. 
I found out that the payroll company processed the ACH payment under my nickname, instead of my legal name, I've been receiving monthly payments from the same company for the past year through my personal checking account and did not find out about this until the incident. I provided a letter from the HR department, XXXX XXXX statement, and payment history from the payroll company that shows my nickname as requested by Chase but Chase states that the only way the fund can be released is if I submit a government-issued ID that shows my nickname or if the payroll company requests a recall on the ACH payment. I explained that my nickname is an English name that I use and is not my legal name, and therefore I don't have a government-issued ID under my nickname. As far as recalling the fund, I was told by the payroll company that it can't be recalled once it's been settled. I checked the ACH reversal requirements online and it states that ACH reversal can not be processed if it's past the five banking day frame. 
Chase continues to state that there is no other way to release the fund, and there is nothing they can do.
Product: Debt collection

CFPB Complaint Against Collection Agency XXXX XXXX XXXX XXXX XXXX Complaint : I am filing a complaint against [ Portfolio Recovery ] for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights under federal law.

Specific Violations : Failure to Provide Validation information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided me with written validation notice required by law. This notice details the debt, its creditor, and my rights to dispute it. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Without receiving the validation notice, I haven't been given the chance to dispute the accuracy of the debt. False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) : By Placing a collection account on my credit report without proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized Furnishing of information ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures. Additional information : I have not received any communication from the collection agency regarding this debt. If they attempted mailed communication they must provide a tracking number confirming delivery XXXX my current living situation, I can not receive mail at the address they have on file. Therefore, any mailed communication likely wouldn't have reached me. They can not assume I received information they couldn't demonstrably deliver.

Request : Irequest the CFPB to investigate these violations and take appropriate action against the collection agency. This may include : Ordering the agency to remove the collection account from my credit report. Requiring them to provide me with proper validation notice and dispute process. Stopping them from using any further deceptive practices in collecting this debt Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 instruction.
Product: Credit card

My bill was due on Saturday XX/XX/XXXX. I was out of town with no phone service but had internet. I went to pay my bill online but only received the attached message regarding technical difficulties. Later I tried again to no avail. Then I attempted to do a live chat. I was connected to an agent but was disconnected four times. It should not be this hard to pay a bill or contact support. 

When back in town I called the number on my card and paid my bill in full.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX ( {$810.00} ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX  XXXX ( {$200.00} ) XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Thank you, XXXX XXXX aka XXXX XXXX
Product: Checking or savings account

I have actuall audio recordings on my phone. Where it states in an emergency I will receive a provisional credit for my disputes. This bank has been nothing but a hassle. I did receive credit for some disputes then out of nowhere {$670.00} was gone and ai looked and seen it was a fraudulent XXXX. I still never received credit for the 2 {$890.00} disputes either. I let them know it was a case of emergency because my rent was due on the first and my gas is about to be shut off because of this. I have a XXXX XXXX XXXX daughter here as well ar times. I want my money asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Credit Card XXXX is showing on my credit report and negatively impacting me, this is not my account this must be my fathers account because we have similar names and lives at the same address. I have never had a XXXX XXXX XXXXXXXX credit card.
Product: Credit reporting

I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.
Product: Student loan

On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.
Product: Checking or savings account

Received several overdraft fees that should not have been charged and being told the system is responsible and they ( the rep. ) are unable to remove the charges. Don't remember exact dates but I did have account in XXXX and XXXX and was XXXXXXXX XXXX each time, at least 8 to 10 times of banking with Wells Fargo. Called each time to dispute the charges and have my money returned to my account and being refused my request each time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a dispute with Experian to provide in detail the method of verification and proof the accounts were verified along with proof of account ownership. The did NOT provide any information requested. They did reply with an updated credit report with no changes. The following accounts are not reporting accurately. 

XXXX. XXXX  XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXX acct # XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXXXXXX XXXX acct # XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXXXXXX XXXX acct XXXX XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy DATE OF DISCHARGE is not reporting correctly. 

Please delete these accounts from my credit report as they have been reported inaccurately and have caused considerable harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX  FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT  TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts and unauthorized inquiries linked to my profile. These are not affiliated with me, and I never authorized them.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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this XXXX  should not be reported. Additionally, an unauthorized XXXX  party is involved, making this situation even more problematic.
Product: Checking or savings account

I work for XXXX i got my funds deposited into my account and right after they closed my account its been more than 2 months since i had the account and they said its cause they cant verify me and i already went in the bank today XXXX which is my birthday i had 3 transactions in dispute my mom made 2 atm deposits and a purchase which i never received later on when i log in it was no funds in my account so i disputed the 2 atm deposits my mother made I believe it was XXXX 6 days later my account is being closed never got a msg an email an phone call nothing i went to the bank they told me my account can accept deposits but cant withdraw or be debited which make no sense to me its my birthday theyre stealing and this is not ok am im willing to go into litigation and create a lawsuit cause this is not the first time this happened to someone its numerous reports on this and i cant believe this happened on my birthday for now on i know to keep an extra bank account at another bank and keep funds in 2 separate accounts because this is not how you do business and they are very rude very rude for no reason a customer shouldnt have to feel belittled or maybe it was cause im XXXX XXXX but what ever i just know they closed my account and i asked when will i get my check for the funds in my account he said it depends on when the account close i asked when will it close he said its no tellin hes not sure so they holding onto my work pay also that i just deposited into my account last night XXXX I even went to the bank cause over the phone i was told to go into branch and confirm my identity they set me up for an appointment but told me also to call customer service i called them up and yeah the guy had a nasty attitude talking down on me as if i stile something when its my money in my account no checks was used its cash how are they holding my cash! And telling me they dont know when my account will be closed all the way and they wont know when theyll be able to send me my funds until my account closes out all the way
Product: Debt collection

on XX/XX/2020 XXXX XXXX opened up a collection. 
account number {$780.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX