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

This account was closed in XX/XX/2017 by XXXX XXXX XXXX. So my questions is how can account that is closed be reporting 30 days late. I have submitted a copy of the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Equifax via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from Equifax regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 55 days since Equifax received that letter, and they have still not removed those accounts from my credit report.
Product: Credit reporting

U.S Postal Certified Mail No : XXXX, MN XXXXFORMALLY KNOWN AS : XXXX, SD XXXX : ExperianXXXX XXXX. TX XXXX. GA XXXX P A XXXXXXXX,2015RE : XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific unauthorized accounts and inquiries on my credit report due to a recent data breach that exposed my personal information. Under 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report : Unauthorized Accounts : XXXX. XXXX  XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I was reviewing my credit report after receiving notice that my scores went down in XXXX of XXXX. I saw that a Jefferson Capital Systems debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from XXXX is what it says. The date of last payment on the account was in XXXX. I called XXXX to verify that was the case and it had fallen off my credit report. Jefferson Capital Systems renewed the debt to appear that became delinquent in XXXX of XXXX which is a misrepresentation and is illegal to do. They have essentially reaged the debt. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine.
Product: Checking or savings account

I am writing to formally request an investigation and intervention by the Consumer Financial Protection Bureau concerning an issue I have encountered with BMO Harris Bank. 

On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, I made a series of XXXX payments from my XXXX Bank account XXXX my XX/XX/XXXX account XXXX of amount {$5000.00}, {$5000.00}, {$24000.00}, {$24000.00}, {$24000.00}, {$19000.00} and my previous balance, totaling {$100000.00}. However, my XX/XX/XXXX account was subsequently flagged and closed for alleged fraudulent activity. Despite visiting the bank in person on XX/XX/XXXX, XXXX and XXXX to resolve the matter, my attempts to have the account reinstated have been unsuccessful. 

I have providedXX/XX/XXXX with all necessary documentation proving the legitimacy of these transactions, yet they have refused to reopen my account or provide a satisfactory explanation for the closure. As a result, I am unable to access the remaining balance in my account, causing significant financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX : XX/XX/XXXX XXXX XXXX/XXXX  :XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I have called each credit agency as well as creditors and nothing has happened
Product: Debt collection

The Citibank XXXX XXXX and XXXX XXXX credit cards of mine were paid off and I called to have both accounts closed. XXXX for both XXXX XXXX XXXX XXXX XXXX XXXX  credit cards did not close the accounts. About 2 years later, someone committed fraud and maxed out the cards. Both XXXX XXXX and XXXX XXXX refused to provide me help. I made several calls to cancel these accounts, and after every call to cancel, I would receive yet another NEW credit card in the mail and have to call again to cancel it and ask why they keep sending me new cards when I cancel the accounts. Citibank has let thousands of dollars in interest compound into a debt far passed the cards ' legal limits. It appears they then sent the sums of debt to debt collection agencies that call non-stop.I don't know what to do. I will never shop at XXXX XXXX XXXX or XXXX XXXX again, and I refuse to ever use Citibank for anything again. Absolute crooks.
Product: Mortgage

When I received my XXXX 1098 tax form from Flagstar Bank I observed 7 late fees of XXXX on the statement and called in XXXX and spoke with XXXX who opened a case. Today I called to check status and see if a refund could be issued as I went with another company with lower interest rates. I made my payments on time using bi monthly payments, however ; a previous payment was misapplied in which a full payment was made instead of going into a pending status so subsequent payments were then behind. In trying to resolve the late fees I was provided the accurate dates from XXXX at Flagstart Bank stating that the fees started on XX/XX/XXXX to XX/XX/XXXX in which a total of XXXX is the overage I was assessed due to a computer error from Flagstar Bank. Not sure why the late fees stopped as I made NO changes to how my payments were made from my bank to Flagstar Bank.
Product: Credit card

I placed an order from Home Depot XXXX  website on XX/XX/XXXX. It was marked as delivered at XXXX I went downstairs to get my package and nothing was there. I sent a message to the delivery driver XXXX XXXX who claimed he left it in front of the glass door in front of my apartment building. I told him nothing is there and he said its there and there's a picture sent. There was nothing there and I never received a picture. So I called XXXX XXXX customer service and the rep told me to file a dispute with Citi. I filed a dispute and on XX/XX/XXXX I received a letter in the mail stating the dispute was found in my favor. On XX/XX/XXXX, I received a letter that the dispute was found in the favor of Home Depot and that I am required to pay for the merchandise. They also threatened to ruin my credit by reporting it to the XXXX agencies. I was then told to reach out to the retail equation. So I called them and the man I spoke to told me they based it on my past transactions because I returned a few things. He told me if I don't agree to send an email to this email address XXXX and I will receive a copy of the transactions and if I don't agree with them to send them an email to dispute it. Today XX/XX/XXXX they responded saying the transaction is valid and I need to pay for it. How is that right? Forcing someone to pay for something I never found and threatening to ruin my XXXX XXXX. What they are doing is illegal. I would appreciate your help please. Thank you
Product: Vehicle loan or lease

Vehicle was repossessed, consumer was never provided with notice of sale, or given information on auction date and time. Consumer information was illegally provided to 3rd party repossession agent as per XXXX5 usc 1692 F, 15 usc 6802 15 usc 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've back and forth with these credit reporting bureaus, and they are just XXXX and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass XXXX I have not been able to achieve or get any promotion due to the false report of my credit files.
Product: Checking or savings account

I bank at US Bank and still do. On or about XX/XX/2023 I placed a check # XXXX in the mail for payment towards my peoples gas bill. Some time after this date the check was intercepted, washed and the payee altered to an unknown and unauthorized payee by the name of XXXX XXXX. The check had been altered from {$370.00} to {$4400.00}. This altered item cleared my account and the fraudulent amount of {$4400.00} was withdrawn from my account. 

I discovered the altered check upon reviewing my statement and I immediately attended a USBank branch and froze the affected account and moved the remaining funds to another account. Considering XXXX XXXX XXXX XXXX my children assisted with helping redirect my SSA payment and retirement deposits. US bank to this date has failed to reimburse be for the unauthorized withdrawal. I have completed all the necessary affidavits and statements to US Bank but have been provided NO response to my requestS for when Ill be reimbursed. I advised USBank that I dont know this person and didnt write this check to THEM. 

I am blessed to have the funds available to be able to pay my expenses but how many other victims are not as fortunate.. 

This has been going on for over two months I dont understand the delay and need the assistance. 

The US BANK account in question is XXXX
Product: Credit card or prepaid card

OnXX/XX/20 I purchased two items from XXXX XXXX. On XX/XX/XXXX items were delivered via XXXX. Within one hour of the delivery as we were opening items we discovered damage/unacceptable manufacturing damages with one piece. I called XXXX and received a voicemail box in which it stated that my call would be returned within 48-96 hours. Call was not returned. On XX/XX/XXXX through an email I received from XXXX Online I responded and indicated I had an issue. ( I took photos of my submission ). I did not receive a response. On two occasions between XX/XX/XXXX and XXXX I attempted to call XXXX. The first time I was left on hold for 39 minutes. On approximately XX/XX/XXXX I notified Chase Sapphire through their online dispute process. I was given a temporary credit of {$260.00}. My request for the credit card company is that maybe XXXX would respond to them so that I could get it resolved. Chase Sapphire did not read the verbiage in the complaint and contacted XXXX for proof of delivery. I never said I did not receive merchandise. My complaint was denied by Chase Sapphire on XX/XX/XXXX, Indicating and attaching proof of delivery. I called Chase Sapphire and was told to refile the dispute which I did on XX/XX/XXXX. I wrote a letter spelling out the details and correcting the {$300.00} which was the actual cost with tax and delivery. On XX/XX/XXXX I again received a Denial from Chase Sapphire stating that they previously reviewed my dispute and have confirmed that the transactions are valid. So my credit card company never even tried to help me. Only shoved the issue under the rug.
Product: Checking or savings account

On XX/XX/XXXX, BBVA was supposed to transition Simple bank customers. They told us to write down our account numbers and that on XX/XX/XXXX we would be able to log in. 
On XX/XX/XXXX the log in was down. On XX/XX/XXXX the log in was down. On XX/XX/XXXX I spent 2 hours ( one call beginning at XXXX and lasting 59 minutes working with XXXX. Then my call was disconnected with no explanation. I called back at XXXX and was on the call with XXXX who said she had reset the account and was sending me an email with log in information. I asked for her to give me the log in information and she said it had to be sent in an email and I would receive the email in 5 -10 min. That call lasted 1 hour and 3 minXXXX ( XXXX ) It is now an hour later and I have not received an email and still can not log into my account.
Product: Debt collection

Midland credit management inc. is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Product: Student loan

Navient is committing the same offenses they committed against other student load borrowers against my niece and I. These are the same offenses for which they are currently being sued by CFPB ; failing to work with students having problems paying their loans, failing to apprise borrowers of available options, including income based payments ; and, steering students to forebearance as opposed to other options. 

Navient reported negative information to the credit bureaus stating that I was 60 days delinquent paying my student loan. They did this in an attempt to bully me into paying my nieces student loan, rather than work with my niece by temporarily reducing her monthly payments to an amount that she is currently able to afford. Ignoring my nieces repeated requests, Navient instead began harassing me and demanding that I begin making the payments. Although my niece was experiencing temporary financial issues, she was still willing to pay reduced payments to Navient until she was able to make her normal payments. Navient repeatedly refused my nieces request and demanded that I begin making the payments to the loan. In an attempt to get me to begin paying my nieces monthly payments, Navient was rude, disrespectful and resorted to bullying and threats of filing adverse information in my credit report. Navient also called my home daily and at unreasonable times of the day and night. In response to my demand that they not call my home anymore, they responded that they will continue calling me until I begin making payments on my loan. After I was not moved by their threats, on XX/XX/XXXX Navient retroactivity granted my niece a forbearance period from XX/XX/XXXX to XX/XX/XXXX, the period of time that my niece made reduced payments to her loan. Though, this retroactive forbearance does not remedy the problem of my nieces need to have her monthly payments amended to an affordable amount in the upcoming months. Navient still reported my alleged 60-day delinquency to the credit bureaus for that period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to obtain my credit report with ease online from Transunion.
Product: Checking or savings account

I've called before to see whats going on just the fact they did closed the account before. It makes no sense to send a letter to me. Since they close the account before.on the letter it showed from XX/XX/2019 thru XX/XX/2019. Account been closed where this has this came.
Product: Debt collection

Portfolio Recovery keeps contacting me after I have told them that the {$400.00} debt, ( they list that I owe on my Credit Report ), is not mine. I have disputed this amount several times, with them, just to be ignored time and time again. I have even sent them nominal payments to remove this adverse mark. Covid 19 has not helped my monetary situation to continue to send them, even, a minimal amount to get this off of my Credit Report. They call day and night, and every day of the week. They even call me and hang up. They call and just sit there listening to the background. This negative Credit item will be removed XX/XX/2021, but the calls are ridiculous. My peaceful privacy has been abused.
Product: Checking or savings account

Citibanks response to my complaint is incorrect as verified with 2 Citigold representatives and the Citigold relationship manager on my account.

Grace period interest as verified by Citibank is based on the 4.75 % rate of interest on my CD # XXXX that came due on XX/XX/year> for the 6 days in question which was calculated incorrectly by Citibank. The 6 days of interest are from XX/XX/year> to XX/XX/year> at the 4.75 % CD interest rate on the balance that was in the CD of {$260000.00} which comes to {$200.00}. Citibank has calculated interest of {$55.00} on the incorrect amount of {$65000.00} instead of the correct amount of {$260000.00}, the balance in the CD on XX/XX/year> through XX/XX/year>. The interest calculated on the correct amount in the CD of {$260000.00} for the 6 days in question from XX/XX/year> to XX/XX/year> is as follows : {$260000.00} X 4.75 % interest rate for the CD X 6 days ( XXXX ) = {$200.00}. 
This is a major flaw in the interest calculations that Citibank uses as their systems are incorrectly programmed to credit interest at a much lower rate than what is required based on the grace period interest rate on the CD that matured.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX   XXXX XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Debt collection

Called my current employer and my former employer about my student loans, called my location
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX XX/XX/XXXX Experian Dispute Center Subject : Dispute of Inaccurate Credit Report Information Dear Experian Dispute Department XXXX I am writing to formally dispute an inaccurate account entry that appears on my credit report. The account in question is as follows : Creditor Name : U.S. Department of Education Account Number : XXXX Upon reviewing my credit report, I noticed errors related to this account. Specifically : The payment history inaccurately shows several months listed as " collections '' ( indicated by " C '' ) from XXXX through XXXX. I believe this is incorrect, as these payments and the account itself are not mine. 
The balance information, as well as the reported account details, are not mine and do not reflect any accounts that I am responsible for. 
I kindly request that this account be removed from my credit report, as I have no connection to it. 

Please investigate these inaccuracies promptly. If the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation to assist in your investigation. I look forward to your response within 30 days of receiving this letter. Please feel free to contact me at the email or phone number listed above if additional information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Consumer Loan

I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.
Product: Debt collection

Ive never been contacted never heard of this company KINGSTON DATA AND CREDIT and the this is not my debt I never had a membership with XXXX XXXX XXXX my brother stole my identity and I have been going through this for month I have a police report number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

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
Product: Payday loan, title loan, or personal loan

they told me after the fact, even though it was in fact, included in the loan documents that I had 18 months to reduce the principal to around XXXX  from the original loan of around XXXX. When I did not meet their target which they did not tell me about they raise my monthly payment by XXXX  a month even though the amortization of the loan over the period of time that I have the loan at 2.99 % dictated that it should be about XXXX  a month and now they are charging me over XXXX a month.
Product: Credit card

Comenity Bank provided me a credit card through a purchase at Jared. I was not told at the store my loan is a promotional plan. I enabled automatic payments and thought it was being paid accurately. I was then hit with deferred interest payment and was never notified of this. I have opened other cases and they keep on saying that it is my fault for not knowing I was in a promotional plan. There was never a warning sent to my email ( after they aggressively asked me to go paperless ) and the warning on my statements are in a small box at the bottom. They are deliberately trying to do the bare minimums in notification so they can prey on customers with deferred interest. 

If they truly cared for customers they would actually notify them. I never even got a notification AFTER they added the interest.
Product: Payday loan, title loan, or personal loan

I have been unemployed for more than 10 months and have been in continuous contact with the store about my financial situation and they have sent emails saying they are willing to work with borrowers and this is far from the truth. 

I borrowed {$370.00} and have already paid that plus additional money and can't get caught up on payments due to the current job market and being unable to gain employment. I understand there is a cost in borrowing money but I called the store and was told t call the resolution department of the company. When I was able to come up with some money to negotiate a balance I called the resolution department and they told me they couldn't help and I had to work with the store. In the meantime, I have been in constant contact with the store they called one of my references and told him they were calling regarding my account with Titlemax   which should be a violation of privacy. Additionally, the employee named XXXX refused to give me my title number to verify with the State of Virginia that I had insurance coverage. She said it was against policy so I had to call their customer service department to get a call back from a District Manager to give me this information. When I called to inform the employee XXXX that I called the resolution department and they told me that I needed to speak with the store to work out a payment arrangement she was rude and told me she knew I complained about her so this is why I believe they called references even though I had been in contact with the store.