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

I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or Capital One on this day. I recently paid off Capital One and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with XXXX XXXX XXXX. After repeatedly contacting XXXX directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. XXXX did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from XXXX called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess XXXX made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
Product: Debt collection

I sent West Lake Porfolio, who took over US Auto car loans, a copy of my credit report showing the car had been paid off since XX/XX/2022, ( well before they received US AUTO ACCOUNTS ) no response from them after several emails to them explaining such. They have repeatedly called requesting payment and has added the account back to my credit report. Further I told them to stop calling me, for I had an attorney who referred me to you. They repeatedly called me. US AUTO was involved in a lot of fraud being investigated by the TRUSTEES OF THE BANKRUPTCY COURT FOR SUCH. I do not owe this debt, and I would like this matter resolved. W.L.P. is asking for proof that it was paid off. However, it was 2 years ago and US AUTO NVR GAVE ME ANYTHING- just a call stating it was taken care of, and removed from my credit report as they stated they would. This car was stolen, totaled and sold at an auction
Product: Payday loan, title loan, personal loan, or advance loan

I have called multiple times to find out why I have someone else 's name on my account. They panic get mad and deny it. I have mail with my address and account information addressed to someone else 's name. A complete strangers name is added to my account.
Product: Credit card

My vacation 's last day was traveling from XXXX to XXXX. Since my original city was XXXX, I arrived in XXXX late. I went online to make a reservation for one night. I found a XXXX XXXX XXXX XXXX. for XXXXXXXX XXXX  per night. Everything was according to my plans. I paid for the hotel ; the system generated a booking number. Upon arrival at the XXXX XXXX, no reservations were under my name. I have to pay again. Later, on my credit card statement, I found a charge on my account under my email address. This is a fraud, and Barclays credit card was informed about the charge using my email address. They credit it for 30 days, and on XXXX XXXX, XXXX they put the charge back on my account. Barclay Credit Card company did not cooperate with this issue. And I need to address this issue with the appropriate authority.
Product: Credit reporting or other personal consumer reports

My identity and information was used without my consent and without my knowledge. Please remove the inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from Macy. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.
Product: Credit reporting or other personal consumer reports

Please see attached documents for review. 

On XX/XX/XXXX, I spoke with an Equifax Representative and she informed there is an internal block on my credit profile preventing me from accessing lines of credit and to open a business checking account. 

I was declined due to the block placed and was informed I needed to submit identity verification along with a letter requesting the removal of the internal block. Please update my address on file and remove the block immediately so I can move forward with my business checking application. Thank you!
Product: Credit card

Hi I gave my credit card to a merchant as a guarantee that I will pay. The merchant was supposed to call me to discuss the price and I would let him know how I planned on paying. We discussed that it would not cost more than {$500.00}. A few days later I see a {$500.00} charge on my card. I do not know if any services were preformed. I called the merchant up, and ask " what 's this? '' He replied, " you said I can charge your card ''. I said " that is not true ''. I requested him to send my lawyer a copy of the bill. He never did. I then contacted Chase to start a dispute. I called them on XXXX/XXXX/16. They never responded to me. I got a letter requesting more information from them, but they told me on the phone that I would receive the letter and I should ignore it. On XXXX/XXXX/16 ( I think ) I received a voice message from someone claiming to work in Chase with a request to call them back. I called the number on the back of the card and asked who is trying to reach me. The response I got was " that is not a chase number, nobody want to talk to you ''. I called then back today XXXX XXXX/XXXX/16 XXXX to check on my dispute, and they said basically I could jump and they are not going to help me, and the dispute is closed. 
Please punish them for breaking the law, as far as I understand, no merchant can charge my card without my permission, and they need to provide me with a receipt. My hunch is the merchant does not want to give me a receipt is either the work was never done, or he is way overcharging me. 
Thanks for your help, XXXX XXXX XXXX
Product: Debt collection

I requested for this company to stop contacting me about this alleged debt. 

XXXX XXXX XXXXXXXX This company is not licensed to collect debt in the state of sc
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 my 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 in MONTHS REPORTING LATE 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX 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: Debt collection

On XX/XX/XXXX, a collection account was posted to my XXXX and XXXX credit files from Credence Resource Management on behalf of XXXX XXXX XXXX. I disputed the information. The account does not belong to me. I notified all credit agencies and Credence Resource Management by letter explaining this. 

On XX/XX/XXXX, XXXX informed me the collection account had been verified by Credence Resource Management as belonging to me. 

I contacted Credence Resource Management by phone on XX/XX/XXXX and spoke with XXXX XXXX  ( Customer Service Representative ). She informed me the debt was for XXXX XXXX, not XXXX XXXX XXXX as listed on my credit report for services at an address I have never lived at from XX/XX/XXXX - XX/XX/XXXX. 

XXXX did not provide the name on the account or the address. However, she did provide the associated account number and email address. I disputed the debt and explained I have never had a XXXX account ; nor have I approved or co-signed for such an account. I have never lived at the address associated with this account and asked for it to be removed from my credit file. 

I am a victim of identity theft due to the XXXX XXXX XXXX and have been fighting issues in conjunction with my stolen information for several years now. Every time I resolve one issue, another one occurs. I have filed numerous FTC reports since XXXX substantiating this fact. 

XXXX XXXX stated she would note my dispute and send the account back to XXXX XXXX for further investigation. I am beyond frustrated that a collection account can be posted to my credit file ( causing a 54-point drop in my credit score ) with no urgency from the reporting company to remove the collection once notified of the identity theft employed to open the account.
Product: Credit card

I called my credit card company on XXXX XXXX. I have been charged, they show reoccurring, {$160.00} from XXXX XXXX XXXX. On my capital one account. I called XXXX 3 times and they show the did not charge me, or counting find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Capital One c/o Kohl 's ( Account Number : XXXX ) has violated my rights reporting my open-end consumer credit plan as 30-days past due as of XXXX ( XX/XX/2023 statement ) 15 USC 1681 Section 602 establishes my right to privacy.

15 USC 1681 Section 604 ( A ) Section II declares a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Further, Capital One c/o Kohl 's , failed to notify the consumer the account was in jeopardy and would be reported as 30-days past due via telephone as standard and customary procedure. This has been verified with Kohl 's Credit Customer Service. Had a phone been made, as normal and standard procedure would stipulate, the payment would not have been past-due and immediately paid in full. 

As evidenced in the supporting documents, as soon as I became aware of the balance outstanding the total balance was paid in full.
Product: Debt collection

I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.
Product: Mortgage

You had all my documents to complete the loan application on XX/XX/XXXX. 

Why did it take you until XX/XX/XXXX to lock in my interest rate. 

THE XXXX XXXX XXXX XXXX XXXX AND XXXX Has evidence you had all the taxes, ins, loan info, rental agreements, XX/XX/XXXX there are over XXXX calls n texts between XX/XX/XXXX and XX/XX/XXXX. But no contact AT ALL from u between XX/XX/XXXX when you had all the documents and XX/XX/XXXX when u called. U still didnt lock the rate till XX/XX/XXXX in a historic interest rise market. Your intentional delay cost me tons. What makes you think your conduct is legal? It looks criminal to everyone I talk to.
Product: Debt collection

Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.
Product: Student loan

Between the years of XXXX and XXXX I was enrolled in the XXXX XXXX XXXX XXXX. I was coerced into their deceitful practices as a minority that they had high graduation rates, employment rates, credible and transferable classes. I was told I would have all federal loans ( At the time FFELP loans ) and was pressured to get massive loans to go to the now closed school, the XXXX XXXXXXXX XXXX XXXX. During my tenure there, the classes were horrible, nothing was really being taught. I could not transfer out because their credits were not accepted at other school so was forced to try to finish. Eventually, had to withdraw due to ongoing issues with the school and financially debt they put me in. I received no value for the the predatory loans that were given to me during that time. Art institute has be in lawsuits by multiple states and class action. I have received a portion that was held by this predatory practices back as a refund and I am requesting the remaining amount held by Navient regardless if my loans have been paid off by me. Navient is fully aware of the Art Institutes having these predatory issues and have acknowledged " that our new School Misconduct process is based on the Holder Rule, which provides that if the borrower has a legal claim against a school, and if the Holder Rule applies ( which it only does for some private student loans, notably direct-to-school loans to students attending for-profit schools ), the borrower may assert such claims against the lender. As noted above, the Holder Rule applies to direct-to-school loans. ''
Product: Credit card or prepaid card

Back on XX/XX/2017, a charge in the amount of {$1100.00} was charged by me to my Barclay 's hit my credit card account. I had returned the shoes back to NM and afrer 2 weeks, I reached out to them. They lied they never received shoes even though I used tracking they provided. Upon tracking, I saw they did receive shoes and reached out to Barclays to file claim. every month, I was faxing paperwork Barclays requested back and forth for almost 2 months. They reached out to NM and advised me they needed further info. Proof of tracking which I sent to them in XXXX. I never heard back and called in XXXX and was told they were still investigating. I called in XXXX and was told same. I called in XXXX and rep apologized profusely, appeared my case was forgotten about and deadline was done. No one had reached out to me or sent me a letter. He apologized and advised he would have a supervisor call me in 2 business days. Imagine my hock when Barclays sent me a letter that they are refusing my  claim because I never listed that NM sent me wrong shoes. We had went over this numerous times. I advised the first rep I spoke to of this instance. They forgot to follow up on my case, ran out of time and want me to bear the loss which is a shame.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX  and tired of this. I'm gon na go to court.
Product: Debt collection

I received a debt collection notice # XXXX Pin # XXXX from debt recovery 's solutions LLC a amount of XXXX on behalf of XXXX XXXX and this not belong to me I never got a loan from XXXX XXXX and this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX accessed my Consumer Credit Report without permissible purpose on XX/XX/21. XXXX XXXX XXXX did violate my privacy, and does not and has never had my permission to access my personal information.
Product: Debt collection

This is a formal complaint against Caine and Weiner located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Caine and Weiner has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the address information on my Equifax credit report and they sent me proof that they deleted the address. After reviewing my credit report after receiving the results, I saw that Equifax had inserted the erroneous address back on my credit file. I disputed it again and this time they stated that they will not delete it at this time because of " prior documents that I submitted ''! I do not know what " prior documents '' that Equifax is talking about and the address needs to be permanently remove because it is not 100 % accurate per FCRA. I am a victim of identity theft and also a security breach at my job and I am trying to make sure that all of the information in my credit file is 100 % accurate. I am sending you a copy of the Equifax credit reports to support the information that I am submitting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I've had credit karma since 2014. They state I am pre approved for credit cards or for loans. When I apply I get denied. So my credit score goes down and I have more inquiries. As of today cause of them I have high amounts of inquiries. Also some of them have ran my credit more than once. I talked to the company several times they say there is nothing they can do about it. I'm very annoyed and stressed about this. I have missed several apartments because of them. My credit being low from applying for things that they state I'm pre-approved or have excellent approval odds. I'm ready to go to court.