23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Billing Error! My American Express Card was set on auto payments each month. My bank account due to multiple transactions of the same transaction flagged the transaction and did not process payment completely. It will show as pending and then dropped when completed. I did not know what was going on. I was under the assumption payments were being taking care of. I only knew of late payment when got in touch with American Express. We tried making payments which will go thru but will eventually drop again this will take several months to track down on cause. Bank had a cancel payment on American Express. I disputed error on late payments with credit bureau and credit card company to fix my late payments. Ive since been paid off and closed but late payments have been stuck on my credit report. I would appreciate a response in fixing my credit report payment history.
Product: Credit card or prepaid card

22 charges from XXXX - XX/XX/XXXX called them in early XXXX and today XX/XX/XXXX. They said it was a known scam and they would take care of it. Got an bill on an account I did not open called them and said their visa nothing they could XXXX me to XXXX
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$2900.00}
Product: Credit card or prepaid card

I noticed on my XXXX XXXX app on my phone, that a Wells Fargo credit card had been opened in XXXX of XXXX. I called Wells Fargo and notified them and they opened a case and are working to resolve it now. I also called XXXX to warn them of identity fraud, as the person who opened the credit card did so using my social security number. The card was used in the amount of {$430.00} as of today. XX/XX/XXXX.
Product: Credit card

I have emails and chat logs for all digital transactions. 

Original purchase of phone and XXXX XXXX subscription on XX/XX/XXXX using my google store card Monthly fee ~ {$10.00} for XXXX XXXX. 
XX/XX/XXXX : Tried to use XXXX XXXX warranty for a faulty device. 
Warranty states next-day approval and dispatch. 
2 days without approval, contacted support. 
Approved but payment issues persisted. Tried to pay securely, but they were unable. 
Escalated through chat and phone supervisors, still unable to securely process payment. 
Over a week without resolution since warranty invocation. 
Contacted Google Store support, escalated multiple times back to XXXX with no resolution from XXXX. 
Over 2 weeks without a replacement phone, charged another month of XXXX XXXX without service by google store. 
Requesting a full refund for XXXX XXXX payments due to service failure and security concerns as outlined in previouse phone calls and chats with supervisors at XXXX and XXXX. 
22+ days since requesting replacement, still no secure payment option, and unresolved issue. 
Demand immediate replacement of device at no cost or termination of XXXX XXXX service and full refund of all payments for the service across the life of the device going back to original purchase XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, Transunion, and XXXX that a thorough reinvestigation into these accounts is imperative. 
Account name : XXXX ACCT # XXXX Account name : XXXX ACCT # XXXX Nevertheless, they affirmed that all aspects were duly fulfilled and precise. Yet, one can not help but wonder how such a feat is possible when crucial details like the commencement date, the date of the latest activity, and numerous other factors are blatantly incorrect. As per the provisions outlined in 15 USC 1681 ( 5 ), it is incumbent upon them to rectify any accounts that are erroneously reported.

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 an 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.

I have evidence to prove my case
Product: Debt collection

On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report. 


Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Product: Credit reporting or other personal consumer reports

I lost my job in XXXXXXXX XXXX XXXXXXXX - I received a severance and was making on time payments to XXXX until XXXX of XXXX. At this point I contacted XXXX and was placed on a mortgage assistance program which reduced my payments. I was required each month to call and check in with XXXX to report my job status and make my required monthly payment, which I did each month. I finally found a full time job in XXXX of XXXX. At this point I contacted XXXX to make my final reduced payment and to inform them I had found employment. During that call the representative told me that I was now required to pay back the balance that was deferred during the assistance program and I made a verbal agreement on the phone. I was told that I would receive a packet with the program details which I ( and my wife who is a co-signer on the loan ) would need to sign, have notarized, and return to XXXX. 

Today, XX/XX/XXXX, I received a report from XXXX that XXXX reported by loan as severely delinquent ( over XXXX days ) - at time of this complaint I have not received the other notices from XXXX or XXXX which I am sure are coming in the next couple of days. 

During my call with XXXX on XX/XX/XXXX there was no communication that my credit report would be affected. I understand that my payments were " late '' due to the program but no where in my call or in the one letter I have received was it stated that our loan would be reported delinquent. My XXXX XXXX dropped XXXX points just with the XXXX report and I assume it will drop further when it reaches the other XXXX agencies. They reported my entire loan balance of {$320000.00} as delinquent. 

I have seen multiple reports online that this has occured within the last 12 months from XXXX.
Product: Debt collection

This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD,  to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes to remove the following XXXX XXXX Accounts : XXXX XXXX XXXX XXXX These accounts have been charged off and I have not received any of the 1099 cancellations of debt forms. These accounts should be removed from my credit profile immediately.
Product: Debt collection

I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, pursuant to the XXXX XXXX XXXX XXXX, my wife and Is student loan in the amount of {$XXXX} with XXXX XXXX was forgiven. 
Equifax continues to incorrectly report this account this account as owing {$XXXX} ( The other credit bureaus have removed it. ) I have twice filed complaints with Equifax ( XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX : XXXX ) ) to get the balance removedagain, as the other two reporting agencies ( XXXX and XXXX ) have correctly done. 
Equifax simply doesn't explain why they are the only Credit Bureau that continues to report this incorrectly. 
Bizarrely, when I contact XXXX XXXX in an attempt to get them to communicate, they say they can not locate the account. 
At the point, the only impediment to home ownership is this listing as I was recently declined a mortgage because this account is incorrectly listed as our owing {$XXXX}.
Product: Student loan

Hi, I have been repaying my student loans since 2000. Since then, it 's been handled by several different companies- the latest being Navient. A few months ago, they contacted me and told me that my fixed loan payment was being increased (! ). I looked online and the balance I had previously been reported to have increased by over {$1000.00}. How is this possible, when I have made all my payments, and on time? When I called and asked for a comprehensive report of all payments made since 2000, as well as an amortization schedule, I was assured I 'd receive one by email. What I got was a report of payments made over the last 4 years. I would like the complete report and an amortization schedule, as well as a comprehensive written explanation as to why my payments/balance were increased.
Product: Checking or savings account

XXXX XXXX XXXX Member since 2005 I be been having a lot of overdraft fees called to see if they could help since haven had any prior to losing job. They did half on 2.checking account. 

My credit card the charge me fees I never was aware of. 
Thank you
Product: Debt collection

On XX/XX/2020 I was seen at XXXX XXXX. I presented my health insurance card as it had changed in XXXX. I specifically advised the person at the clinic and they made a photo copy of it. I received a bill in the amount of {$35.00} for this visit and noticed that the visit was improperly billed under my old health insurance. I also verified the information with my health insurance carrier and was advised that it was billed incorrectly. 

I tried contacting XXXX XXXX on multiple occasions and so did my mom. After dozens of unanswered calls, my dad contacted XXXX corporate and demanded that someone stay on the line until a member of XXXX XXXX answered the phone. After about 45 minutes, he was able to speak with a representative and gave them the correct billing information. 

XXXX XXXX XXXX never re-billed the account as they stated that they would and turned this over to collection. 

There should be a second bill for {$39.00} for a XX/XX/2020 follow which was also billed incorrectly. 

My dad contacted the Collection agency TransWorld Systems at  XXXX regarding this account and advised them to cease and desist any further collection attempts. The account number with TransWorld is XXXX. XXXX XXXX 'XXXX  account number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer report that should not be there. Please view the attached items for further detailed information on this matter. Thank you.
Product: Credit reporting or other personal consumer reports

Victim of identity theft as a result hard inquiries are on my credit report that need to be removed. XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  which both occurred on XX/XX/year>. Identity theft report and copy with proof of my identity attached to this cfpb complaint.
Product: Credit reporting or other personal consumer reports

I applied for a new Barclays AA credit card online in XXXX. While I was out of the country, someone intercepted the card and/or the card information, activated the card, and made fraudulent charges ON XX/XX/year>. After many hours on the phone with Barclays, I was able to cancel the card. I received XXXX letters from the Barclays fraud department saying they closed the card due to fraudulent charges, but they still continue to report that I am late on the 'payment '. Letters dated XX/XX/year> and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times at least over 50 calls made and multiple escalation tickets since XX/XX/2020 I annoy pull my experian report. I can not get approved for a mortgage because they can not pull my report. I have tried other companies and come up with a no hit error. Experian tells me nothing is wrong. My information is not correct. I have disputed it many times. I was told last Friday my address wasnt on my report so the rep added it and I would be ok. I still can not pull my report.
Product: Debt collection

I asked for the company address so that I could write a letter they provided the wrong address to me. I was unable to send any letters to them. They continue to call on a automatic dialer. I am unable to ask them to stop or to verify the debt.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$1600.00}
Product: Debt collection

To Whom It May Concern, I am reaching out to file a formal complaint regarding Tenaglia & Hunt, P.A., a law firm that handled my wage garnishment. Despite my debt being fully satisfied, the firm has failed to cease the garnishment and owes me a refund of {$77.00} due to overpayment. For the past year and a half, I have made repeated attempts to contact Tenaglia & Hunt, P.A. regarding this matter, but I have consistently been met with unresponsiveness and inaccurate information. 

Background Information : Garnishment Initiation : XX/XX/year> Primary Contact ( XXXX ) : XXXX XXXX ( spoke in XX/XX/year> ), XXXX XXXX, and XXXX XXXX ( via recent email correspondence ) Amount Overpaid : {$77.00} ( based on a final payment of {$360.00}, which exceeded the full debt balance ) Total Paid Balance : Entire debt amount per initial court documents has been met and satisfied. 

Summary of Communication Attempts and Issues : 1. Lack of Response : Over the past XXXX years, I have made numerous calls and left messages for Tenaglia & Hunt, P.A. However, I have only been able to speak with someone handling my account once, and there has been no follow-up. 
XXXX. Email Correspondence : I emailed the firm most recently, notifying them that the debt is fully satisfied and requesting a refund of the overpaid amount. I also requested they dismiss the garnishment and inform my HR department to stop wage deductions. I only received an email response from XXXX XXXX, stating an incorrect balance of {$280.00}, which is false. 
XXXX. Failure to Dismiss Garnishment : Despite my debt being paid, Tenaglia & Hunt has not issued a dismissal of the garnishment, causing continued deductions from my wages. 

Given the continuous lack of communication and failure to take appropriate action, I am requesting the CFPBs assistance in ensuring the law firm ceases the garnishment, refunds the overpayment, and provides accurate documentation reflecting the debts full satisfaction. 

This ongoing situation has been both stressful and financially burdensome. I believe Tenaglia & Hunt, P.A.s actions reflect poor management and disregard for their clients financial rights, and I am seeking urgent intervention to resolve this matter. 

Thank you for your time and consideration in addressing this complaint.
Product: Debt collection

This debt was sold and charged off to third party vendors which debt was incorrect I have received no information prior to debt be sold off. Under the fair credit act I ask all accounts be removed from credit profile for incorrect information also debt sold off without prior knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX date XX/XX/XXXX My complaint is with XXXX and Transunion credit bureaus the problem is XXXX and Transunion are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with XXXX and Transunion, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to XXXX and Transunion they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX. attachment thank you your assistant sincerely XXXX XXXX XXXX
Product: Debt collection

Company left voice messages about an undisclosed " matter '' requiring attention on my home and cell phone. After returning their calls, the company refused to mail any information about the matter or even provide their company mailing address so that I could write to them. They claimed to need to verify my personal information ( last XXXX of SS and birth date ) before they could do anything. Total SCAM!
Product: Checking or savings account

Dear Agency, please issue training for Manager XXXX and all XXXX Sales Teams. they need to ensure every customer has access to International Text Messages, Calls and Data. I am sure if they take time to listen to their customers and understand the Crisis their customers are in that could resolve the Banking Matters. 

All comments and concerns have been resolved once they agree to sign the XXXX form, which is only stored on their for Ice.Gov / Housing Urban Development bookkeeping and peace keeping under Exparte 12.980 Under the paperwork reduction act and statue 40-11-3 y 40-11-5 Omb control number XXXX can collect this CCTV under XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent North Shore Agency a letter from my bank, XXXX XXXX XXXX for proof of payment for the debt of {$270.00} owed to XXXX XXXX. North Shore Agency has not reported the information to XXXX XXXX, so XXXX XXXX can credit my account as paid.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like these inquires deleted because I did not authorize these companies to run my credit, it is fraudulent.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX