23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019, I filed a compliant against Simm Associates through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XXXX  2019-XXXX  2019, every phone conversation with a representative of Simm Associates was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called Simm Associates on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, XXXX XXXX XXXX. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XXXX XXXX, 2019. 

I called XXXX XXXX XXXX on XXXX XXXX, 2019 to get information about where my loan was and why it was being moved and if it can be moved back to XXXX XXXX XXXX. A representative there said that once the debt is given to a collection agency it can not be given back and that Simm Associates by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why Simm Associates is incapable of providing quality service to people who are willing to pay down debt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, I want to say early 2000 's, I froze my credit with Equifax after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Equifax to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.
Product: Mortgage

in XX/XX/year> I applied for a Morgage with Wells Fargo I was pre-approved based on putting down 20 % plus closing cost the down payment was going to come from the proceeds of the sale of my fianc 's house. We found a house that we wanted to buy but the owner didn't want to except a contingency so I called about and asked my Morgage broker if there was any collateral I had that I could use for a bridge loan till her house closed and was told I could use my IRA based on this information I put down {$5000.00} Ernest money thinking I would be able to get a bridge loan with my IRA as collateral. A couple of days latter I called back to complete the loan application and was told he was talking about taking the money out of my IRA which would of occurred substantial tax implications I explained I couldn't do that and that's not what he said. I told them I couldn't complete the loan based on this information. He explained that the calls were all recorded I had two diffeent Supervisors listen to the calls and even though they didn't dispute my version of events they said I was the one canceling the loan and as a result I lost my {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my credit report is at the hands of TransUnion. I have never validated this debt and I am the original creditor. I do not consent to any of the alleged accounts and demand by that you TransUnion comply!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate credit information. 
I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Account number : XXXX Please supply information on how you have verified this item. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I contacted TD Bank requesting an extension for an forbearance for three more months. The company noted that I requested a forbearance. 

On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score declined by 60 points. The report indicated that my XXXX payment was 30+ days late and it was reported to the credit bureau. I called TD Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX & they noted that it was a mistake on their end and that they were supposed to extend my forbearance. I called back on the next business day XXXX XX/XX/XXXX XXXX and TD Bank informed me that they will begin the process to remove the late payment. They said this would be repaired in 30 days. 

On XX/XX/XXXX, after seeing my credit score continue to decline, i called TD bank back and requested an update. TD Bank informed me that they finalized everything on their end and I have to wait for the credit bureau to make the necessary updates.

After a few weeks, I decided to dispute my late payment reporting through transunion.com. The results came back that my report was correct- I was, in fact, late in my payment and the late payment reporting remained. TD Bank never submitted the necessary information to repair my credit report to tell credit bureau. 

In XXXX, XXXX, I called TD Bank ASAP and demanded an update. They indicated that they had not submitted anything to the credit report to repair the late payment reporting. After further discussions and a call back an hour later, TD Bank said that they revised my forbearance starting XX/XX/XXXX and TD bank would report the correction to the credit bureau when scheduled. 

It has been 30 days and the late payment remains on my credit report. 

Im requesting that this repair is made ASAP. Its been 6 months and this error has prevented me from obtaining loans & additional living arrangements, etc. In addition, Im also requesting for my forbearance to be extended an additional three months as I paid off the first three months when I made the initial request in XX/XX/XXXX. At that time, TD bank stated that I had 90 days to make 3 months of mortgage payments all at once. So I borrowed the money to make the payment. I didnt want to miss a mortgage payment and cause my credit score to decline.
Product: Debt collection

I was checking my credit score and a collection appeared with no prior notification for a XXXX Bill that was included in my bankruptcy from 2010.
Product: Credit reporting or other personal consumer reports

On XXXX.. I received my Transunion consumer report FILE # XXXX and it continuously reporting the transaction & experiences with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Which is in clear violation of Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

In XXXX, I made two purchases on Macys.com. I returned most of what I ordered, leaving a balance of {$21.00} on my Macys card. I did not receive a paper statement, and this balance slipped my mind in XXXX and XXXX. On XX/XX/XXXX ( Sat ), I got a statement in the mail indicating that I was being charged {$100.00} in late fees and had accrued {$6.00} in interest. 

The fees were : {$27.00} charged in XXXX, {$38.00} charged in XXXX, and {$40.00} charged in XXXX - all on a purchase of socks for {$21.00}! 

Today ( Monday, XX/XX/XXXX ), I called Macys and after 40 minutes on the phone with a representative and then a manager I was able to convince them to remove two of the late charges ( the {$38.00} and {$40.00} charges ). 

I read that according to the CARD act of 2010, it is not legal for a credit card company to charge a late fee that exceeds the minimum payment owed by a customer. If this is correct, Macy 's has violated federal law with all 3 of the charges to my account. 

Because I don't want to waste more of my valuable time fighting with Macys, I made a payment today for {$54.00} XXXX the amount of my purchase + interest accrued + one late fee of {$27.00} ). I was assured that I will receive a paper statement next month documenting my that these payments resolve my account, which I plan to then terminate. I have cut up my Macys card and will not shop at Macys again. 

As a PS, I would like to mention that I have been a Macys card holding in excellent standing for 13 years. I don't think I have ever had a late payment until now, though the Customer Service representative could not confirm this, as her records go back only 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only XXXX saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from XXXX or Trans Union whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From XXXX I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From XXXX I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on XXXX, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation. 

From Trans Union I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Product: Checking or savings account

Capital one bank closed my account and did not give me a reason. All of my funds that I use to feed my child, pay my rent, and take care of my house hold are all in my checking account. Ive had my bank for over 6 years they closed my account without warning or reasoning. I just want my money back as soon as possible. I was given no date or time when a check would be issued. When I call in they tell me they dont have any information for me. Just that my account is under review. Ive read on other places this can take 2 years. I have all of my money in the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Product: Money transfer, virtual currency, or money service

I am an American citizen, I live in Maryland, XXXX. On XX/XX/2024, I used the Western Union online instant cash transfer service to send {$100.00} to my friend in XXXX. My friend went to the Western Union office located inside the XXXX XXXX XXXXXXXX XXXX to receive his money. After completing the required documents, providing the recipients ID card, and an hour of wait to be serviced, the WU representative refused to cash the {$100.00} out and demanded the senders identification card to be presented by the recipient. Please accept this as a formal complaint against the WU office located in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove their account off my Experian timeline. At this time XXXX is still reporting derogatory information on my Experian Credit Report.
Product: Payday loan, title loan, personal loan, or advance loan

Lease # XXXX Acima repeatedly charged me failed payment fees without the payment failing this account was linked to my XXXX  XXXX account and whenever theres a debit XXXX  XXXX  sends me an alert via email or the XXXX  XXXX app. On XX/XX/year> I initiated a PAY INFULL transaction so it would be paid in full and the lease would be closed out but instead Acima only debited {$41.00} from my account and continued the lease payments. I never received a receipt/payment confirmation as to why my payment amount was changed or rejected. I logged into my account to try to pay it off again and I didnt have the option I only have a total of {$800.00} remaining which is crazy and it seems forced to remain in the lease and for lease # XXXX I never received an early payout option, I have never had this problem with any other leasing company that I have used for furniture 90 days same as cash is just that. The first customer service representative was so nice about trying to helping me but the second Acima representative I was kind of scared to do business with them. XXXX XXXX XXXX XXXX XXXX XXXX I cant handle rude people. I am so disappointed in Acima because I have referred XXXX people to them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Officer at Embrace Home Loans knowingly giving borrower inaccurate advice on the credit report and mortgage application process in order to keep client from examining other options. LO in question is a 14 year industry veteran, so this is not the result of inexperience. It 's an ethical lapse and does the customer and the industry a disservice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Product: Credit card or prepaid card

Someone opened 3 credit cards using my information fraudulently that I didnt open
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a police report and FTC report to Lexis Nexis regarding fraudulent bankruptcies reporting on my Lexis Nexis profile. I was told by the rep from Lexis Nexis that matter would take four days to resolve and remove from my record. Every time I call Lexis Nexis I'm given the run around and told inaccurate information.

Lexis Nexis has continued to drop the ball and not rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was Told The Credit Card Was Purchased Almost 2years Ago & Im Just Now Finding Out. I Have No Idea Who Could Have Purchased This Account & Why Its On My Credit Report. But I Need This Disputed
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX, XXXX, and TransUnion were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures XXXX we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, XXXX, and TransUnion sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, TransUnion, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.
Product: Credit reporting

I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).