23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; XXXX XXXX, XXXX, AR XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date Reported : XXXX # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date : XX/XX/XXXX This account was settled in XX/XX/XXXX.
Product: Debt collection

Please see attachment for details. Updated date for notice of letter is XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call to correct the address that Wells Fargo Dealer Services is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also Wells Fargo Dealer services are reporting a late charge from XX/XX/2012 on my XXXX and XXXX  reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. Wells Fargo Dealer Services are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. Wells Fargo dealer services can't even keep their own facts straight they report 0 missed payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.
Product: Debt collection

I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my countXXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

The last 4 years I have tried and tried. Letters to Equifax, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with Equifax and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. Equifax XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX  kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on XXXX freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX Equifax XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$28000.00}
Product: Debt collection

I have asked this company for a " wet signature '', a validation letter, and a cease and desist of this negative information.
Product: Checking or savings account

Tried to link my account with XXXX and it won't work
Product: Credit reporting or other personal consumer reports

Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within XXXX days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.
Product: Vehicle loan or lease

At the beginning of the Covid-19 pandemic, I was subjected to extended lock-down that reduced my pay by 50 % for the duration of the pandemic. This resulted in late payments on my car loan. I have made all payments and the account is in good standing with no late payments since the lock-down restrictions ended. 

I reached out to KIA Motor finance and requested that the late payments being reported on my credit report be adjusted to reflect paid on time as the circumstances that lead to late payments were outside of my control. The representative I spoke to from KIA said this should not be a problem, but to date all the late payments due to the pandemic are still being reported on my credit report and are severely impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX XXXX  XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPTARTMENT OF EDU XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the (XXXX, XXXX  ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

The debt wasnt made by me and Ive stated that. I had to replace ssn cards and more personal information after being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has not responded to the dispute time frame and has eronious info on my credit reports and my iquiries count has not been current according to the dispute time frame?
Product: Bank account or service

Bank of America did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorized, I was charged fees due of lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Bank of america is letting people put fraud charges on my account they refuse to enter my information. i keep going into bank with no results they keep taking my money. in 2 months i have had no money. they refuse bto talk to me on phone because there bankers lie and will not put in my info correct. i cant keep doing without money HELP bank of america XXXX XXXX XXXX wa XXXX XXXX XXXX XXXX XXXX XXXX i want to press charges aganist the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX  report, but not from XXXX  or Equifax report. 

I'm requesting XXXX XXXX XXXX to include XXXX and Equifax in the removal of my closed account # XXXX. Respectfully, Mr. XXXX XXXX
Product: Credit card or prepaid card

To whom this may concern, There are 2 related but separate complaints regarding the XXXX XXXX Credit card product. 
First Complaint : I 'm a long time Citi credit card holder. In XX/XX/XXXX 2015, I upgraded from their Citi XXXX Signature card to their {$95.00} annual fee Citi XXXX Reserve card. One of main reasons for upgrade is that Citi XXXX Reserve card advertises 2 weekend night certificates good at select hotel and resorts within the XXXX portfolio after you make {$2500.00} in purchases within 4 months of account opening, on top of the annual benefit of earning 1 weekend stay after spending {$10000.00} in a calendar year. Since I already own the signature card, I was advised to call their customer service line to upgrade directly and apply through them to avoid getting assigned a new credit card number.
<P/>
I easily met my minimum {$2500.00} spent within the first 4 months but never received my 2 weekend night certificates. I called Citi numerous time ( at least 5 times in my recollection ), each time on the phone they claimed to understand my situation, proclaimed that I did indeed earned the promotional requirement. They even noted it on my account log. However, I subsequently receive a paper statement saying that Im not eligible for the weekend vouchers, which made no sense. I called XXXX XXXX as well regarding the situation but they said that Citi is solely responsible of letting XXXX know that I qualified for the rewards and promotions. I also learned that Citi had recently discontinue their credit card relationship with XXXX, and will subsequently phase out and/or discontinue all of the XXXX branded credit cards. It looks like I will not be receiving any of my benefits that Ive earned, which is deceitful and dishonest. Second Complaint : Ive also met the yearly benefit of 1 weekend night certificate. Through numerous conversations with Citi Card it was confirmed that I did meet the criteria to earn the reward. However, there are no steps or directions as to how to claim the 1 weekend night certificate. I was told that an email was sent out regarding the reward but I never received. I was constantly provided runaround between Citi Card and XXXX and my question was never resolved. In short, Im not able to claim the rewards that Ive earned. <P/>In summary, would someone please look into my account and shows that I did indeed earned the 2 weekend night certificate ( per {$2500.00} spent in first four month ) and 1 weekend night certificate ( per {$10000.00} spent in a year )? I had to spend {$95.00} on a credit card that I receive ZERO benefit!!!
<P/>
I 've been a loyal Citi credit card member for a long time, owns 3 different credit cards. Looks like Citi is not keeping customer loyalty and satisfaction their # 1 priority. <P/>Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX  I submitted a new application to change my repayment plan to the SAVE plan. 
XXXX  Aidvantage said my application was received and there was nothing I had to do because I have consent for them to access my information from the IRS. 

XX/XX/XXXX I receive an email and document for a change in loan terms however it was the original plan I was on with no explanation on my SAVE repayment application. 

I applied for SAVE again XXXX XXXXhey confirmed application was received XXXX XXXX they send another change in loan terms email that AGAIN is the original repayment plan I was on, not the SAVE plan. 
I have called multiple times with crazy hold times and sent an email on XX/XX/XXXX with no response
Product: Debt or credit management

I am writing to file a complaint regarding a debt collection agency known as Information Services, concerning an account referenced as XX/XX/9117, which has a total amount of {$840.00}.

Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I have the right to request validation of this debt. I have made attempts to contact Information Services to obtain the necessary documentation regarding this debt but have not received a satisfactory response.

I would like to formally request your assistance in ensuring that the following information is provided by Information Services : The name of the original creditor.

Verification of the amount owed.

Any supporting documentation that validates this debt.

Additionally, I request that Information Services cease all collection activities until they can provide the necessary validation, as required by the FDCPA. 

Thank you for your attention to this matter. I appreciate your assistance in protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email from Netspend stating an account has been formed and that a " prepaid Mastercard " would be emailed to me within 7-10 business days. The email never specified whether it is a debit card or credit card. I contacted Netspend as soon as I saw the email and was asked for my name and social security number and then was transfered to the Fraud IT department where I was then told that it was just an advertisement and the representative proceeded with a scripted sales pitch. This process is extremely misleading and forced me to provide the company with sensitive information that they did not previously have.
Product: Mortgage

Regarding XXXX XXXX XXXX, XXXX, NY XXXX :. I Have Been Attempting To Resolve This Problem With Wells Fargo Mortgage, + Their Attorney. They Are Not Responding + Working With Me. Are Giving Me A Hard Time. I Wish To Save + Keep Our Family Home. Want To Pay /Payoff, Not Having Success. Bank Says To Communicate With Attorney, Attorney Says To Communicate With Bank. Both Communicate, + Then Dont. Say They Cant Communicate With. But Can Take My Money + Have. This Has Been Ongoing. Getting Run Around From All. Am Elderly, Sick, XXXX, On XXXX, Widowed, Poor. Trying To Take Care Of This, Our Family, + My Self. Dont Want To Lose Where We Have Lived For 20 Years. Have Given Them All My Money. Just Want To Keep Home. Will Pay+ Have Tried. This Is  Making My Family, + Me Sick, Stressed!! No Where To Go. Please Help!! Thanks So Much!
Product: Checking or savings account

On XX/XX/2023 my Truist accounts were hacked. The hackers were able to transfer out of my money market savings account to XXXX checking accounts and then XXXX the money out of my accounts. Altogether I lost {$9400.00}. XXXX months later I still have not retrieved my money from Truist. Through my branch manager ( they have not provided a written decision about my case ) they are saying that it is my fault that my accounts were compromised, but I did not give out any mani information to anyone and I did not authorize these transactions. They are also saying that the money was transferred to another bank that refuses to return it so my money is simply gone. I have exhausted all avenues to get Truist to make good on my lost funds. Please help!
Product: Debt collection

Midland Credit Management contacted my relative about a disputed account without my express permission. Additionally, the account in dispute was subject to a special payment plan with XXXX for 48 months at XXXX XXXXXXXX which originated XX/XX/year>. XXXX did not uphold this agreement and sold the account to Midland Credit Management without notifying me in writing.
Product: Debt collection

Credence Resource Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

My Equifax Report has incorrect information about my identity, my scores differ from multiple reporting sites. On the Equifax Report website, no information is given although I can view a history of disputes. Since the identifying information they have I have no recourse in trying to see what is included on my report.