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

HARDSHIP DUE TO COVID 19 -- -- - I reached out immediately by phone the main number on the website the local office in XXXX DE and the corporate office by phone left several messages by email and One main online portal the end of XXXX beginning of XX/XX/2020 when the state ordered emergency shut down for Delaware  state thePandemic - Covid 19 crisis. I explained by phone and email letting One Main know my situation and in detail the emergency shut down of the company I worked for. The building we worked in another office on the 3rd floor an employee tested positive for Covid 19 virus. An immediate shut down without notice had to be done. XXXX XXXX a rude and unsympathetic individual representative at the XXXX location finally I was able to speak to someone after days of and weeks of being transferred to voice mails and emailing corporate and no response back either. ( Please feel free to track emails and retrieve voice mail messages and call logs how many times I called in since he state shut down ) I left messages at the bear location. At the time of me not reaching any one I went on One main payment portal choosing they option I could not make a payment. The system accepted. One main went ahead and still debited a payment out of my bank account when I had arranged not to on there online portal.When I called the office XXXX XXXX asking why a payment was debited he replied with his response O NOW U CALL? Very unprofessional and argumentative! I explained I reached out several times and he insinuated I did not and basically called me a lair. I advised him to listen to voice mails at the office and view my online profile portal. I had also mentioned to him I have SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE a benefit I signed agreed to and paid into why is it that it has not been applied to my account I questioned why has this not been applied to my account to protect me from involuntary no employment due to the emergency crisis state shut down. I can not control what has happened. This SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE I mentioned this to XXXX he had no comment. He sent me away to reach out to corporate office. Why offer me insurance when it has not protected me??????? Useless or should I say overlooked could care less??? Make it worse I have paid for this its not FREE!!! To make things worse One main has sent this to the credit bureaus. Unfortunately my struggle is real. I am a single parent with no help. I have no money no income and I have tried for weeks to get on the online unemployment system and its been a nigh mare. My loan was paid on time I had not defaulted til this pandemic crisis effected millions  of us and I am one of them. My credit has been ruined to something I have no control over and late fees interest are being applied and my SINGLE INVOLUNTARY UNEMPLOYMENT INSURANCE being ignored and not applied to my account.
Product: Debt collection

On XX/XX/2018, I received a call from Hunter Warfield Inc.. I have been attempting to settle this debt with them for almost 2 years now. I have offered a payment plan that I could afford, and they refused to accept that amount. Although it was minimal, it was a payment that would have caught me almost half way up by now, but instead, none of it has been paid. After they called me and I told them what I could pay, they still would not accept it. Even though the amount that they wanted me to pay was way more than I can afford at this time, I decided to call back on my way home from work to go ahead and make the payment arrangement to pay their " acceptable '' price. I recently started working a weekend job along with my full-time position, and was hoping this would cover the " acceptable '' price. So, when I called them back, I got a new representative named XXXX XXXX, who said his job title was " Pre Legal Auditor ''. XXXX belittled me on the phone saying things such as : " Why haven't you and your husband pulled together your funds for the last 2 years to pay this, '' " What would make you think THAT is an acceptable payment?, '' " What have you been doing for the last two years that you still can't make more of a payment? '' I asked XXXX to please stop making it personal, but he continued saying the same things over and over again, claiming that I was wasting his time. It took me asking 3 times before he even told me a settlement amount, which was {$4000.00} out of the {$5000.00} that we owe. He said that he would not tell me the amount because I had stated that I couldn't pay it at this time, so it was pointless to give me an amount because I would not be able to save up for this, as they were planning to take legal action before I'm able to save up. After I was belittled on the phone for about 10 minutes, I asked to speak to his supervisor, who was even worse. 

He said the same things to me that XXXX did, and even at the end of my conversation with him, I said " I am more than willing to pay the debt, so I will do my best to get it to you all as soon as possible. He YELLED at me and said " You don't have time to think about this, you only have until Friday before we take legal action. '' Both XXXX and his supervisor talked about how " their client '' wasn't interested in my minimal payment, yet the account was sold almost an entire year ago, so they shouldn't have even brought the old creditor in to the equation at alll, but they certainly did. 

All of the above is true, and Hunter Warfield would have this on their recorded line, as that was what I was told every time I talked to a new person.
Product: Credit card

When Best Buy changed its reward program to only be given if someone had a Best Buy credit card, I responded to the offer of 15 % back on your first purchase when opening a Best Buy Card. I opened a card in approximately XXXX of XXXX and subsequently spent {$4300.00} on a single invoice. I should have had {$640.00} in rewards or credits. I have spoken with numerous people, spent over XXXX hours on the phone on multiple occasions first being told that the credit would come 60 days after purchase, then when it did not and I called they said it was 90 days, then called again and an investigation was opened. It is 6 months now and I still do not have a credit, I have a reference number from where this should have been credited on XX/XX/XXXX of XXXX. This is FRAUD to offer a promotion solely for the purpose of having people open up credit cards then not deliver the promotion.
Product: Student loan

I have 2 loans who were once with Loan Science. I have been on multiple repayment arrangements and each time I would set it up they would never actually take the money out of my account. I would wait for it to come out, try to get a hold of them to no avail and then they would call and harass anyone they could to try to get a payment. The loan has been sold so many times, it's impossible to track. I believe it's currently in default since there is no servicer that lasts longer than a couple months. I just received another letter again that the loans were sold yet again. I also received a letter in the mail stating it was discharged. I don't even know if I still owe the money legitimately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau deducted my credit score with an unknown hard inquiry on my account. Can you please remove that hard inquiry on my credit report account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX  about my XXXX credit card account. The letter stated that my credit limit with XXXX was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with XXXX or the financial institution before. When I called XXXX to find out what the problem was, they told me that I had to call Transunion ( reporting agency ) to dispute the information in the letter. I informed them that I pay XXXX XXXX   and not Transunion for my XXXX account. XXXX had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give XXXX permission to run my credit report, when I have an open account with them. I did call XXXX, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XXXX XXXX. I want this complaint to be filed against XXXX XXXX  and if possible against Transunion. The information that Transunion reported is incorrect, and I want it removed. I called Transunion and their operator was not in the United States, and they could not even communicate with me about my problem.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on behalf of XXXX  of XXXX.
Product: Credit card or prepaid card

I have an Apple Card that is serviced by Goldman Sachs. I have had the card for almost a year, and made all payments on time. For my XXXX payment, I accidentally paid the installment balance & interest charge twice, because I didn't receive confirmation of the first payment ( so I submitted the payment again ). I later saw two payments posted to my account. I was unable to cancel the pending payment from the Apple Card app, so I contacted the support team. The support team told me they were unable to cancel the payment when it was pending, so to reach back out once it had posted in a few days. I waited a few days and then reached back out once the payment was posted. The support team then told me they were unable to cancel the payment once it was posted, and I would need to contact my bank to cancel the charge. I contacted my bank, and they said they couldn't cancel it and I would need to go back to Goldman. I went back to Goldman again, and they said they could file a request to refund my payment, and that it would take ten business days. It has now been ten business days and I contacted them again, to which they have said the process will take up to 30 days. I am confused and frustrated as to why my additional payment is still being held by Goldman and I keep getting misinformation about the process. I think this is a deliberate attempt by Apple and Goldman to make the process intentionally confusing so that people give up and don't bother getting their money back after an accidental over payment.
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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX I Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 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
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX  XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/2023
Product: Credit reporting or other personal consumer reports

I called equifax to complain about a XXXX points dip in my credit score. The 2 reasons they stated for the drop, were positive changes and I was concerned. 
After my complaint they relayed to me there were some issues with my identity and I went through the process of authentication with them. 
Still no change as of XX/XX/2023 The last report that I can view and access is from XX/XX/2023. Equifax is denying me access to an updated version of my credit report and credit score. This violation is interfering with my right to know the content of my credit report in a timely manner and is causing harm to my credit.
Product: Mortgage

We " had '' a repayment agreement with Wells Fargo. Unfortunately, our only vehicle was totaled. We do not live close to public transportation and even if so, it doesnt run during our working schedules.We struggled to get XX/XX/XXXX payments in by the end of the month. When I sent the a partial payment with a note and the remainder of the payment was in before XX/XX/XXXX as promised. 

I received a.letter from Wells Fargo stating that have still not applied and outstanding balance of {$730.00}, approximately, and I feel like their departments are not communicating with each other and WF now states they are moving forward with foreclosure. 

I have just returned to work and we have a chronically ill/suicidal daughter who meeds stability and a roof over her head. We just efiled our taxes and plan on using that refund to catch up on everything. We cant afford to lose our home even though we have had so many continuance bad luck with our circumstances and are just trying to catch a break. We will continue to send in XX/XX/XXXX agreed payment in full by the end of the month. I also just want to ensure the unapplied payment which should be included in the repayment agreement and WF is not double dipping and utilizing an automatic debit transaction to additionally pay this account. 

We just need a little more time. My daughters tax refund was deposited into her account within 2 weeks. We are hoping the same and we are willing to clear this up in full. 

Thank you for helping us save our home, which will ultimately save our daughter 's life.
Product: Credit reporting or other personal consumer reports

I'm writing to bestow my XX/XX/XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

In XX/XX/2021, I obtained a copy of my credit report and noticed a late payment listed that had lowered my credit score. When I saw the name of the creditor, I realized that I never opened an account with this company. I contacted the accounting department of the creditor and told them that this was not my account and that I have never purchased anything from them. They told me they would investigate and get back to me. A couple of weeks later I received a letter from them telling me that they had conducted an internal investigation and that they had determined that the account was mine and I was responsible for the balance. I contacted them and told them that it was not my account and that I had no intension of making any payments. The monthly payments are apparently being made by someone else, because I have not received anymore late payment notices, but the one late payment notice from last year is still affecting my credit score. I disputed this with the credit bureau, but they took the word of the creditor and would not remove the late notice. I am being penalized for an account that I did not open and this creditor refuses to do anything about it. I closed this account, but the account balance and the late notice to the credit bureau still stands.
Product: Checking or savings account

I opened both checking and saving accounts with citi bank on XX/XX/2019 at the XXXX, Illinois branch. At the time while I opened the account I was offered {$400.00} and three month high saving interest rate for {$25000.00} new money and {$250.00} for setting up direct deposit. The interest rate worked immediately. But the cash bonus never came until today which is 7 months later. 
During this process i called two times about this matter. The first call I was told instead of giving me the bonus after 3 months opened I need to keep the money for 3 months then wait for another 3 months to get the bonus. So that's why I called the second time in XX/XX/XXXX, this time they claimed it should be XXXX business days instead of 90 days and I will be receiving this bonus on XX/XX/2019. 
Today I chat with an agent again and now they claimed they don't see this offer with my newly opened account which definitely contradicts themselves. I didn't keep the offer given by the branch because I thought there should be trust between the bank and me. Apparently not in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about a year now, A debt that does not belong to me has been rebaught by XXXX XXXX. And it's affecting my credit worth. I disputed it before and it was removed from my credit report long ago. Now experian still has it on my report. XXXX XXXX started reporting this debt as of XX/XX/2021. Stating that I owe {$4300.00}. This was being reported in all 3 bureaus. XXXX and XXXX has updated my report except experian that keeps reporting this false debt
Product: Credit reporting or other personal consumer reports

Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by XXXX XXXX. I filed a dispute online with all XXXX credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX