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

I got a alert on XX/XX/21 stating that my credit score has changed so I logged on to my credit journey and seen that there was a open account for Money lion that was opened on XX/XX/21 and I was late paying so my credit has drop. I immediately searched up money lions phone number I spoke to the rep explained to him that I never opened this account and never heard of money lion, He told me that someone opened a account and took out {$300.00} XXXX  and {$500.00} loan I asked him how do they just give someone money without verify someone information he said it was verified I asked with what information, He said he couldn't tell me that cause he didn't have that info, Makes no sense, I told him I wanted to speak with someone in the fraud department, he said he opened a claim and someone will contact me via-email within 7-10 days. I waited 20 days still no response, I once again contacted them still cant get a hold of anyone. I called again today XX/XX/21 because this keeps hitting my credit score I cant get a hold of anyone. This company is a fraud i have worked so hard to build my credit for them to be ruining it and no help to resolve this nightmare. I have contacted all 3 credit bureau and its under investigation. Hopefully this is resolved ASAP. Money lion needs to be shut down asap.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 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: Credit card or prepaid card

I made a purchase. Half a {$150.00} within XXXX XXXX, XXXX, which was the merchant canceled and flag the order because of the credit card they have now and even me on for days and days and days. Everything all persons saying something different are how many days I have to wait for? My account to reflect the money that was taken and put on hold for the merchant. They are ready to payment out of my bank account. And they are not reflecting that onto my account. Every time I talk to somebody something different. Are they hanging up on me? Each supervisor is unhelpful. They all just tell lies and different time frames. First XXXX XXXX now XXXX XXXX now. The XXXX order is not even showing that it was even made. XXXX inside took a picture of it because they couldn't tell me why that happening either to me. It seems like it's fraudulent. Activithey took a payment. Then they try to tell me that it's XXXX that has ahold of it. I've spoken to XXXX several times they gave me the transaction code twice. They never even got it to the next level. Because it was flagged aninterminated by the merchant.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. his practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

In 2014 I entered into a lease with XXXX and over my time with the lease I have spoken with many peers and individuals who have pointed out the exorbitant rate I am paying for my car lease relative to others with comparable means. My credit score was " good '' at the time of purchase and I traded in a car as down payment. The only remaining conclusion is that I am the victim of their predatory lending practices, as I am sure many others from the neighboring working class community have been. Despite bringing this to the attention of XXXX and Toyota Financial and offering opportunities to rectify the problem with a new, more appropriate lease based on my history with their financial institution they continue to offer no resolution.
Product: Debt collection

I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( Wednesday, XX/XX/2018 ) I received a call from this company stating that I have been reported because of my " bad credit '' and a " unpaid debt ''. They asked me a couple of questions and even tried to get some personal information but since I was not completely sure about their reliability, I did not give much information. I search in the internet for this company but there's nothing well described. They said " they were going to reach me out again after performing a more deep investigation ''. The number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. 

In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit card

All this was done in XXXX and then again in XXXX. In XXXX I went to the bank trying to get a loan and I was informed that I have two pending charges on my credit that I wasnt aware of and I couldnt get my loan and Ive been trying to get it off since then and nothing has happened Im trying to be a homeowner and do things in life and I cant because of this and I didnt do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America took more than 30 days to send me documents to validate a debt. Now that I received the documents, they are not even for the account they are trying to collect. They also sent me information and bank accounts of other people by mistake.
Product: Debt collection

Commonwealth Financial Systems LLC, recently ( between XX/XX/2019 ) added a collection account on my credit reports for the amount of {$370.00}. I was never told about this debt. Commonwealth Financial Systems LLC, never sent me anything in the mail or by phone call regarding this debt. I still dont know what its regarding as I havent received anything from them. By law, they had to give me proof of the debt I owe prior to submitting this to the credit bureaus as I have the right to resolve the debt or to dispute it. I couldnt do so as they just put it on my credit reports without any notice at all. Commonwealth Financial Systems LLC,  did not go about this process legally so therefore the debt should be removed from all of the credit bureaus. I will fight this until the end, they will not get my money. I cant even confirm if this debt is actually mine. Im told its from a healthcare facility in MD or says the credit report information. Yet Ive never been to a healthcare facility in MD. I dont even live in MD and I never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me the procedures they took to verify these accounts, names of persons who verified accounts, employee/badge numbers and direct phone numbers of who verified the accounts from the furnishers. In Experian response they stated I was using credit repair and Experian was unsure of my request. I XXXX XXXX am simply asking for proof of verification to ensure accuracy on report # XXXX 15 USC 1681i ( a ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description
Product: Debt collection

A bill that I owe XXXX XXXX XXXX was sold to RPM by XXXX XXXX XXXX. RPM was calling me approximately 10 times a day. I expressed to them that they were calling me while I was at work. yet they continued to call all day. When I talked to them on the phone they told me that if I did not set up a payment plan they were going to turn the bill over to an attorney and report it to the credit agencies. I told them when they expressed this that they violated the Fair Debt Collections Act. The person on the phone told me that he did not know that company.. I had to explain it to them. I asked numerous times for them to send me a paper statement so that I could put it into my bills and get it into my home budget so I could make payments. It took them 2 months to send me a bill. When I called to try and make a payment over the phone they said that they would not accept any payment that was less than {$500.00}. They refused to accept any lesser amounts twice and I was told that if I was to pay any less than that I needed to send a check. As soon as I received the bill I sent a check. They now have reported on my credit report as " Collections ''. I have no other derogatory remarks on my credit report other than from a company that is impossible to work with, I did not even have an address to send a payment to for nearly 2 months.
Product: Debt collection

XX/XX/XXXX : I received three phone calls from family members and old boyfriend stating that a company was calling to deliver a message to XXXX XXXX ( my maiden name ). After the last call I then received a call from XXXX XXXX stating they were calling me to give me a phone phone number I needed to call immediately XXXX. I called the number and was informed that I was going to be served and sued for a XXXX debt of XXXX  dollars. I explained that this debt was one I was unfamiliar with and was XXXX XXXX XXXX. I explained that I was currently under bankruptcy and said debt was never sent to my home or via email. She told me there was nothing else I could do.
Product: Mortgage

My name is XXXX XXXX. I currently have a FHA mortgage loan. I have been impacted by the national disaster of COVID-19 and have reached out to my mortgage servicer, Home Point Financial. After speaking with several representatives, including a supervisor, XXXX XXXX, it was explained that the only forbearance option I had at this time would be to defer my payments for 90 days and at the end of the forbearance, a balloon payment of all three payments in addition to the XXXX payment would be due. 
I explained to Mr XXXX XXXX, that according to the CARES act, his company is required to provide me with reasonable, good faith accommodations to assistance me during this national crisis. He repeated the aforementioned and stated, " until the investors tell them to offer additional options, this was all that was available at this time. '' Home Point Financial is not complying with the Federal law in providing its customers " good faith '' efforts in accordance to the law. Please help me. I do not know where else to turn and need help! You may contact me at ( XXXX ) XXXX. I look forward to hearing from you. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.
Product: Money transfer, virtual currency, or money service

I received a phone call on XX/XX/year> from Wells Fargo ( fraud and stolen department ). The man on the phone stated there was a wire transfer of {$25000.00} from my account. He informed me my account was compromised and he asked me a couple of questions, verifying the charges on my bank statement to see if it I recognized them. He has all my banking information. He then told me he will close my account and open a new account. I did not think much of it and I later checked my account and {$25000.00} was transferred out of my account unauthorized. When I spoke to the manager at WF branch in XXXX, she indeed confirm the phone number I received the call from is a legitimate/real number from their claim/fraud department. When I asked what sort of protection and security is WF providing to the customers, she really had no answer and responded with all she can do is file a case. 

After waiting for about 10-12 days, Wells Fargo denied/closed my claim with reasoning that they are not responsible for scam/fraudulent. They essentially informed me that it is my responsibility to be aware of these scam phone calls. I had filed a complaint against this decision from the bank. I as a customer put my trust and all my hard earned money with WF, and such tragic event happened and for Wells Fargo to deny my claim is not acceptable. I have heard and read many stories with many customers who experienced the same issue with the same scheming tactic. I need help to resolve this case and get my money back.
Product: Debt collection

I.C. Systems placed a collections account on my credit report when I already have had this account removed 3 other times by 3 other collections. this collection is fraud and has already been proven. 

They have now caused me monetary damages by having this account placed back on for the 4th time. And now of course I have to go through snail mail to dispute this. 

Phone agents as always super rude and super unhelpful. Now my only option is to snail mail my dispute and delay me 2 more months most likelyy
Product: Debt collection

Enhanced Recovery Co L Listed on my credit for a collections account. They have reported it 3 times. XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
Al

l 3 are for the same $ amount. Same bill. I have tried on numerous occasions to get this settled. It is showing 3 separate times as 3 collection accounts/amounts. They can't even find my information from XX/XX/XXXX to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment.

If you can expedite this request to look into this matter for me, I would really appreciate it.

Thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting

My husband and I filed a Chapter XXXX Bankruptcy in XXXX of 2009. However, after filing it, we changed our mind and decided to simply deal with our debt. However, the attorney that we used did not tell us it would still remain on our credit report for the standard SEVEN years. So, for the last seven years, we have done our best to build our credit and actually have pretty good scores FINALLY. Everything I have read on the credit reporting agency 's websites and online indicates that a Chapter XXXX will be removed after SEVEN years. After checking our credit scores and reports, we noticed that Equifax had not removed the Bankruptcy. XXXX and XXXX removed it automatically. I have filed a dispute online with Equifax, however with limited options with their online dispute form, they responded that the Bankruptcy was reporting correctly. I then typed up a very detailed letter, along with information from their own website showing that a Chapter XXXX should be removed after SEVEN years. I received a response from them indicating that I did not provide enough information. I am frustrated and do not know what else to do. Equifax simply refuses to remove the Bankruptcy. I would also like to reiterate that WE DID NOT GO FORWARD WITH THE BANKRUPTY and paid our bills. The laws or regulations regarding this type of transaction incident should be changed to enable the bankruptcy to be removed once it is determined that it was not proceeded with. A simple filing should not stay on a credit report as if it was done. It 's simply not just. I am hoping that this agency can get Equifax to remove the Bankruptcy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX