23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

while I was checking the balance and transactions, I noticed that there was withdrawals that I did not make. I talked to them about it. The withdrawal was for {$500.00}, The system divided the {$500.00} into two parts, When I listened, I hear the two parts of the one sum of the {$500.00} that I withdrew at one time Lumb sum. this is abuse and illegal to the transactions, I noticed the two parts of the total {$500.00} one-time withdrawal. when I requested a statement, it showed only one total withdrawal of {$500.00}.

I noticed they charge fees and I question it, they stated I did the withdrawal from non their bank XXXX. which is not true because I used the same machine at their same bank for years.

Their system breaks down the withdraws to two parts so that they charge fees. This is fraud and must be stoped and they must credit back all the fees that they charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my own credit report last year of XX/XX/XXXX and on that same month, I have disputed Items that has been almost 10 years past the 7 years due time for deletion. The collection agencies has continued to keep updating this very old debts just to reflect that there was a new activities. When I disputed the 3 major credit reporting agencies, creditor and collection agencies, I requested them to supply me a copy of all records of why I owed them because I do not have any recollections due to the time being so Old accounts and they can not provide me with anything, instead, they just keep updating the negative information with CRA for over 10 years now. Under FCRA 623 ( A ) ( 5 ) ( A ) - If you are a debt collector furnishing information to CRA about the accounts of a creditor, YOU MUST REPORT THE DATE OF DELINQUENCY GIVEN TO YOU BY THE CREDITOR, This dates of delinquency, determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven ( 7 ) years from the debt of delinquency. In my case, XXXX XXXX and XXXX XXXX XXXX has been reported me for over 7 years and I believed it's close to 10 years now.

1. XXXX XXXX - Opened Date - XX/XX/XXXX - Acct. Bal. {$550.00} / Charge Off - I have requested to send me any information regarding of my signed agreement with my signatures, documentations of all charges with my signatures, they can not provide me to support their inaccurate information and I believed that this is over 10 years now from the delinquency date that XXXX XXXX has not reported to CRA and that has to be deleted off my credit report.under FCRA 623 ( A ) ( 5 ) ( A ) 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Collection Charged OFF / Closed / Account balance is {$1800.00} / XXXX XXXX XXXX did not report the delinquency date but I truly believe that this is over 10 years and XXXX XXXX XXXX  continues to keep updating on this very old account that has been past due of the 7 years Under FCRA 623 ( A ) ( 5 ) ( A ) 3. XXXX XXXX XXXX - XX/XX/XXXX - Acct. Bal. {$200.00} - I have disputed this account and requesting CRA to provide me all the records of any agreements that I have signed with the credit grantor and any charges that I have approved but XXXX XXXX XXXX  can not provide me with anything and they they continue to report negative information to ruin my credit. Any inaccurate information must be deleted per FCRA - you must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) 4. XXXX XXXX XXXX - Date opened XX/XX/XXXX - Account balance {$0.00} - Charged OFF - I have disputed this item of why payment status showing as Charged OFF and this negative reports to my credit is affecting my ability to buy a house. If XXXX XXXX XXXX can not provide me with the acceptable explanation or does not have the accurate information, Please delete this negative information off my credit report.
Product: Debt collection

XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address companies use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to XXXX XXXX XXXX ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I use the Cash App twice a year to send my nephew {$100.00} for his birthday and XXXX, so I was shocked last week when I received a 1099-K form claiming I had XXXX transactions totaling {$10000.00}. When I logged into my account to investigate, I found it had been closed due to alleged gambling or other activities that violated their Terms of Service. Believing my identity had been stolen, I called Cash App, and the representative I spoke to directed me to an email link to submit a ticket to their Taxes team. However, I couldnt submit anything because my account was closed. Turning to the Chat support feature, I spoke with an agent who asked a few questions and submitted a case on my behalf, giving me a case number. After days of no updates, I followed up and was assured they were working on it. Then, out of the blue, I received an email saying they had contacted me ( they hadntIve been checking my inbox and spam obsessively ) and that, because I hadnt responded, they closed the case. When I called again, the process frustratingly started over, and I was once more instructed to submit a ticket. I am at my wits end, stuck in this endless loop, and have no idea how to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2020, we wrote by regular mail to Citibank to close a money market account held in trust for our son. We wrote at that address given to us by a Citi representative. The account was inactive and held a balance of approximately {$150.00}. Citi ignored the letter and proceeded to debit the account each month for a {$30.00} servicing fee. We tried calling but were put into call cues where we waited for 40 minutes before our call was dropped. When we finally got through, we were told to write another letter. We wrote a second letter on XX/XX/XXXX by Certified Mail to the former account relations XXXX who had handled our other accounts, asking for his assistance to close the account and avoid further debits. We got no response. Citi is now demanding we cover a negative account balance - {$22.00} caused exclusively by their debiting their {$30.00} per month servicing fee over an inactive account that had a nominal balance, on an account which we twice instructed them in writing to close months ago. 

We want the account closed, the balance restored to the XX/XX/XXXX balance, and that balance remitted to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, Chexsystems reports also i have already made report at XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Suntrust Bank Dba XXXX Inquiry from XX/XX/XXXX XXXX
Product: Mortgage

For the month of XXXX I paid online, but the amount was to be debited on XX/XX/XXXX, I included my late fee but it was still before the deadline of XXXX. The amount of the mortgage cleared from my bank account on XXXX XXXX XXXX. But the mortgage company is showing that I owe two months
Product: Credit reporting or other personal consumer reports

I looked at my report back XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  XXXXXXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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/XXXX
Product: Mortgage

Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.
Product: Mortgage

XXXX XXXX, 2015 I contacted my mortgage company Nationstar to see if I had time to complete a Modificatin package on my home. I was advised yes I had to send in before XXXX XXXX, 2015. My home was in XXXX and I was XXXX at the time I traveled the next day back to the hose and contacts XXXX Neighborehood housing forclosure department to assist me with the paperwork. I complete a package with ther facility and the papers were faxed XXXX XXXX XXXX via XXXX, on XXXX XXXX, 2015 per. Call to Mortgage company rep confirmed my paperwork was. In and possibly on doc missing she XXXX and this was sent via fax on XXXX XXXX, 2015. The XXXX and my self have sent monthly bank statment and weekly check stubs from my employer. On XXXX XXXX, 2015 my representative at Nationstar advised XXXX at XXXX the sale went forth on XXXX XXXX, 2015 after we were advised The sale of the property had been postponed. Each week I call leave a voice mail with my point of contact who has not returned XXXX voice mail from me. XXXX XXXX my representative on my account spoke to XXXX at XXXX and advised the sale of the house went forth on XXXX XXXX, 2015 and advised my paperwork had been submitted late. All this time we have called and each week advised it under " review ''. I have not had documents mailed to me on this status.
Product: Credit card

Since XX/XX/year>, I have reported my Alphaeon credit card as lost five times, yet I have still not received a replacement. Despite multiple attempts to resolve this issue through customer service, I am consistently given vague responses without a clear path to ensure I receive my card. This has left me frustrated and concerned about the lack of accountability and resolution from your team. 

Each time, my request appears to be met with scripted answers and no actionable follow-up. There has been no acknowledgment of the repeated errors on the banks part, nor have I received any apologies for the prolonged inconvenience. Moreover, my attempts to escalate the matter to a manager have been met with disconnected calls and no callback or further assistance. 

This experience has left me questioning the banks commitment to customer service and basic operational capability. I expect immediate intervention to resolve this issue and ensure a replacement card is delivered promptly. Additionally, I request written confirmation that my concerns are being escalated to senior management. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation with XXXX XXXX, account XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, business address, name, and phone number as well documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to Paid/Never Late and send me a copy of my updated credit report.
Product: Mortgage

In XXXX of this year, I was informed by Carrington that they never charged me for property taxes for over a year and said they paid my taxes but I would have to reimburse them. I've attached the statement from Carrington with the amount they say I owed. They said they could spread out the overage with my monthly payment for about 3 years. This would make my new monthly payment {$1500.00}. I pulled my retirement account to pay for the back taxes ( which is also attached ) and Carrington will up update my account to reflect the new monthly mortgage payment of {$1300.00}. In other words, if I had not paid the back taxes I would have to pay {$1500.00}, but I did pay the taxes and they still want me to pay the {$1500.00}. This is not right. I don't owe them this amount because have been made whole. They say they can not readjust their figures even thought they are incorrect. I don't think it's fair that I have to pay additional taxes I've already paid just because they won't adjust their system to accurately reflect that their is no longer an overage.
Product: Debt collection

Previously I filed a claim against Midland credit management and had them removed from my credit and It was granted.I received a letter in the mail from them attempting to collect on the same debt that is not valid. They was re-aging the account anthe the balance was different on XXXX, XXXX and XXXX. I have called them previously an asked then not to send any mail to my address. 
# XXXX
Product: Vehicle loan or lease

Bridgecrest issued my car loan with a XXXX % APR. The contract is simple interest. They do not send monthly statements. I have to call in and request a payoff quote plus the history of payments. In this history I see that despite being up to date with payments the amount of the payment applied to interest increases each month. Even when I pay earlier than the due date almost XXXX percent of the payment is going to interest. I last contacted this company on XX/XX/21 and the representative could not explain why my interest rate is higher even though the total loan amount is lower.
Product: Debt collection

They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting erroneous items on my credit report. The items do not belong to me. I have requested for American Express to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to American Express under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and American Express refuses to comply with Section 609 FCRA. American Express DOES continue to verify the information as accurate without complying with Section 609 FCRA.

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. American Express is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. American Express is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried checking my credit today to find out I am locked out of my own information. Someone has changed everything. Last week I noticed that my credit history had disappeared and a consumer note was added for an Ulnlawful Detainer. It was never there before and if I hadnone it was well over 12 years. 
My birth name is XXXX XXXX XXXX XXXX I became a citizen on XX/XX/XXXX & changed my name to XXXX XXXX. I have been a victim of nun identity theft for many years. A detective told me that this person keeps very close tabs on me. I have been residing at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My credit has always been under XXXX XXXX XXXX. Recently changed it to XXXX. I have not applied for any credit for at least one year. I get my life threatened in this building. I am afraid for my life. They have AGAIN stolen/duplicated ALL of.my documents. They interfere my phone calls. I am.living a nightmare. U can call me at XXXX XXXX XXXX
Product: Debt collection

I have attempted to work with the company but have had no resolution. I have asked for official documents from the company such as a lease, copy of the license and social security card that the apartment complex took upon moving in the tenant due to the fact my information was used and I never lived at the apartment complex that the collection agency is representing. I have filed a police report with the XXXX police department and I have also reported to the credit bureaus but there's been no resolution. I am requesting if the agency can't provide a valid lease agreement, copy of the license, and social that was used that this be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several unauthorized inquiries and one account being added to my credit report. These inquiries and account were made without my knowledge or consent, and I request immediate action to address this matter. 

Account - XXXXXXXX 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/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK  USA/TARGETCREDIT  Address :  XXXX   XXXX   XXXX   XXXX , MN  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....     I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over  22  accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on  XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer.     Thank you in advance  XXXX   XXXX   XXXX   XXXX