23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I keep the same number with all my creditors XXXX. I have ample evidence, calls, dates. I have called discover time and time again to please keep this number on record. When I call in it shows a different cell number XXXX. Which has bend long disconnected. I can not log into my accounts since XXXX. When I log in the AI system wants to send a code to a number that should not be on record and I no longer have with no other options. I can not make my payment by phone or on line. Its sad to go through this when I called over and over and clearly the evidence shows Discover knows exactly what they did. I reported to consumer affairs. 
This is beyond ridiculous. I am not going to pay a late fee when I can not pay via phone or on line.
Product: Credit reporting or other personal consumer reports

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

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XXXX put on credit report XXXX just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX business this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to XXXX that can be fixed and this behavior by three reporting agency addressed and fixed.
Product: Mortgage

AGAIN IM ON HERE DOING COMPLAINT AFTER COMPLAINT ABD IT DOES NOTHING. THIS GROUP WONT GET OUT OF MY PHONE AND LEAVE ME ALONE!!! PREVENTING ME FROM REACHING MY OWN FAMILY IN XXXX TO TRY AND FIND A PLACE TO STAY AND BECAUSE MY SIS IS A FORMER XXXX XXXX WITH A HUSBAND A XXXX XXXX THEYNOT ONLY PREVENT PICS FROM GOING THROUGH, NOTHE WHOLE MESSAGE! AND DONT THINK THIS IS ISOLATED INCIDENT WHERE YOU CAN SCAPEGOAT BY SAYING IM CRAZY CFPB! WE AS HOMEOWNERS ARENOT XXXX!!! THEY BEEN DOIN THIS ALL ALONG TO ALL OF US! ITS WHY YOU NEVER HEAR DROM US!!! THE OBSTACLE COURSE A HOMEOWNER HAS TO NAVIGATE JUST TO EVEN TRY AND REPORT ANYYHING TO ANY AGENCY THAT GIVES A XXXX YET FIND LEGAL REPRESENTATION FOR THE XXXX XXXX XXXX XXXX  IS JUST SAD AND BORDERS ON CORRUPTION! THERRS NO DENYING LOGIC. AN INDUSTRY PROVEN TO RAMPANT WITH FRAUD YEY HARDLY EVER REPORTING OF IT BY HOMEOWNERS. WOW, I GUESS JOB WELL DONE AGAIN. YET RHE CFPB KNOWS THAT IS 100 % WRONG! WERE HERE! WERE BEING SUBJECTED TO ALL KINDS OF FRAUD AND DAMIGING METHODS ON THEIR EFFORT TO COVER UP ABD YOU SIT THERE AND PAT YOUSELF ON THE BACK. ONCE AGAIN A FAILURE TO ALL HOMEOWNERS NATION WIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported 30 days late for our XX/XX/XXXX mortgage payment. We disputed the error both directly with XXXX as well as with Equifax. On XX/XX/XXXX at XXXX XXXX, we received a message from a XXXX representative stating that the 30 days late was corrected and that our credit reports would be corrected in ~ 1 week. We have the recorded message. To this day, our credit reports have not been updated to reflect the 30 days late correction and we have received zero written correspondence from XXXX regarding the correction. We 've talked many, many times with several XXXX representatives about getting our credit reports updated and each time, receiving no information or wrong information. We talked with a representative on XX/XX/XXXX and was told that the corrected account information would download to the Credit Bureau 's on that day and for whatever reason, this did n't happened. When we called on the XXXX of XXXX to follow up, we we 're told the Credit would n't be updated until XXXX of XXXX. This is totally unacceptable and we need help resolving the issue. This has cost us a higher interest rate for the purchase of a 2nd property.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have submitted a direct dispute with XXXX Experian XXXX XXXX providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXXXXXX tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XX/XX/XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX  Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) Experian fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a personal freeze with lexis Nexis. I'm still waiting for the freeze to be active
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt with Enhanced Recovery Company for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX # XXXX {$300.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  # XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$220.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX {$680.00} XX/XX/XXXX XXXXXXXX XXXX # XXXX {$390.00} XX/XX/XXXX XXXX. XXXX # XXXX {$1500.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX  # XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX {$1900.00} XX/XX/XXXX XXXX {$4200.00} XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I booked round trip international flights with my Citi XXXX  points on XX/XX/XXXX on Citi 's website ( XXXX ) for two passengers, using 102,100 XXXX  points in total. The flight was later cancelled by airlines due to covid. I waited till XX/XX/XXXX but still didn't received my points refunded back, or any communications regarding this. So I called their custom services on XX/XX/XXXX and they said they initiated refund and expected 20 days to arrive to my account. But I didn't receive anything since then. I called them again on XX/XX/XXXX, and was told the previous refund didn't go through and they had to initiate another refund, and it would take one or two billing cycles to go through. Now it's already XX/XX/XXXX, but I am still waiting for their refund.
Product: Credit reporting or other personal consumer reports

I sent multiple letters to the credit bureau, asking them to do a thorough investigation into the bankruptcies that they have placed On my credit report. 

In accordance with the FCRA 611 ( a ) ( 7 ), I kindly request that you initiate an investigation into this matter and provide me with the " Method of Verification '' used to confirm the bankruptcy. Specifically, I require the following information : The name of the courthouse where the information was verified.

The name of the person at the courthouse who handled your request. 
The address of the courthouse. 
The telephone number for the Clerk of Court 's office.

The specific document you obtained to verify the bankruptcy. 

I provided them with 30 days to conduct an investigation to which they refuse to contact their alleged source at the courthouse to verify the bankruptcy that they have placed on my credit report. They advise me that they only had to do an Internet search they did not need to comply with FCRA guidelines. They denied me of the investigation and reported that the Internet search that they did was sufficient enough. No one was contacted at the courthouse. The courts advise me that they did not speak with anyone at the credit bureau, nor did they submit anything to the credit bureau, and that they could not verify that debt for them theyre only using Internet resources. I emailed and faxed my letters starting last XXXX in XXXX, and nothing has been done or corrected. They believe they are above the law
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter and I bought a used XXXX XXXX and financed it through Credit Acceptance Corp. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Product: Checking or savings account

In an attempt to monitor and manage my money better I contacted discover bank about opening an account. Thats when they informed me that I could open a savings account about a debit account. However, they said that their debit system is down right then, but the lady told me that I waited a couple weeks that I can get a debit account to go with my savings account to be able to move my funds! I waited patiently and then I was told that they were doing the debit cards again so I contacted the company XXXX different times to which they denied my applications for debit card. They said it was in part due to my credit score, and the fact that I had activity theft as my ex-husband has destroyed me financially. He has withdrawn money about all the accounts so that is impossible for me to get a normal bank account. I am Non Emergency situation and having spent XXXX nights in the streets with no food no shelter no clothes and the company refuses to assist me in anyway. They misled me into an account and then when they claim that theyre not gon na make anyone pay the price for identity theft thats exactly what theyre doing. I should be able to have an account to move and manage my money, this is causing him at large amount of grief and I want you to know in life something needs to be done if Im not good enough to have a debit card to go with my savings account why would I want someone to hold my money and refuse to ever give it to me especially in a situation like Im in now. I spent the last XXXX XXXX years living in XXXX is trying to hide from the likes of my XXXX Im now here for a court date in XX/XX/XXXX and XXXX in the streets with no access to my funds. This is criminal..
Product: Credit reporting or other personal consumer reports

I am writing because I requested a copy of my consumer report from Lexis Nexis. I called and spoke with someone from Lexis Nexis on XX/XX/2024 and was told that I would receive my report within a few weeks. This is the second time I called requesting my report to no avail.
Product: Credit card or prepaid card

In XX/XX/2021 I mistakenly missed a payment. So in XX/XX/2021 I received a bill for a balance of {$64.00} and a minimum of {$41.00} with a due date of XX/XX/2021 to be 30 days late. I immediately paid the {$64.00} on XX/XX/2021 with a balance paid in full. Then on XX/XX/2021 the company charged me {$2.00} stating it was interest charges for the account. I did not realize as the account was paid in full prior to due date. Then they charged me more fees in the month of XXXX, XXXX and XXXX. It wasnt until I realized in XXXX with a balance of {$30.00} for bogus interest fees and late fees did I realize that they were applying fees to a XXXX account balance. I immediately called them and they stated that the original {$2.00} fee was for interest on XXXX. I kept asking how that was possible since they issued a bill in XXXX with a balance of {$64.00} and it was added after the cycle ended on the XXXX as stated by them. They refused to help me. Even after the statement stated that if I paid in full my balance would be XXXX. They just kept saying my late payment was for XXXX on my credit report, and that the original {$2.00} which has completely messed up my cc report and payment history was for XXXX. How do you accrue interest when a statement has the interest charges included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received notification of my personal score going down and after investigation World Acceptance Corporation started reporting a monthly charge off on an account that was paid in XXXX XXXX XXXX. I spoke to the director of the company numerous times and it still has not been corrected. It is my understanding that there should be no MONTHLY reporting of a charge off once paid. This has caused my score to drop XXXX points and is creating a hardship. I have called and emailed the company and they are continuing to erroneously report on my credit.
Product: Consumer Loan

I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I contacted the furnishers and they agreed to repair and update the accounts in my file. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

First off I never missed or was late with a single payment to this company. The loan was sold to them and same is true for previous loan company. The loan was paid in full on XXXX. When I initially contacted them they stated they needed 30 days to ensure everything went through and was processed out. Whatever that means. 
I gave them the 30 days and contacted them, I was told it was not processed, via email, and I would have to contact the title department but was given no contact email or phone. When attempting to call them I was placed on hold twice and both times disconnected. Further emails went either unanswered or triggered response with no follow-up. 
I realize they may attempt to use the current global issues as an excuse to not do the right thing, however, would like to remind them NOT ONCE did I receive any communcai0otn stating they would work with me in these troubled times. No notice from them, as I received from every other company I have financial dealings with, so to use that as an excuse would be deplorable. 
All I want is my title, I paid for it and was prompt with payment. They need to do the same. My email address is XXXX. this should allow them to look into this