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

There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with XXXX.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I have an Uber Visa credit card that earns cash rewards. On XX/XX/XXXX, i was notified via email that i redeemed my cash into my XXXX XXXX. I did not initiate this rewards transfer and when i called Uber on XX/XX/XXXX, they mentioned it was two policy changes : 1 ) cash rewards can not be applied as a statement credit and only a credit to the XXXX XXXX, 2 ) rewards will be auto redeemed over {$50.00}. I do not recall being notified of both of these changes. I have this credit card solely for the purpose of cash redemption against my statement charges ( not for the XXXX XXXX  ). I feel tricked into this change, as i would've immediately applied the cash balance to statement credit if i had known of these changes were happening and then would've closed the credit card. 

On XX/XX/XXXX, i spoke with representative XXXX and she mentioned these policy changes took effect in XX/XX/2021. I did not receive any of these notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX still shows that I have over {$1000.00} balance. I had paid it down to XXXX & than all new transactions that were fraudulent were made. I reported this months ago, but they are still taking my minimum payment ( which I shouldnt have to make because they are not my charges ) I told them to close my acct. but it keeps showing as open. 
Same thing happened with XXXX XXXX Citicard. I want them all closed, but they keep showing as open. 
Also my XXXX Credit Journey dropped by over 50 points. It stated there were 7 recent hard credit pulls. I have made 0.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX iam sending this complaint out today on equifax todaybecause they are trying to take over some poeople life with false reporting on my credit report ... the other credit beruas remove all inquries off my report but they cant i have 48 hard inquires on my report but they want me to call every single company on my report on my own i did not put them on my credit report or tell any body they could run my credit its aginst the law to treat somebody creit like this i mean 40 hard inquires i just got off the phone with them they saying its nothing they can do i siad that a lie how can u let frauds put hard inquires on my credit plz i need help now its like a waist of time keep calling equifax i dont have the time to right down all 48 company names or accounts down it should not be on my credit the first place now they want my ssn bith ceritfireld and bill with my addresss on it WHY they need that it a scam the goverment needs to step up to these guys
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.
Product: Credit reporting or other personal consumer reports

I was already aware of how tough the economy is, but after reviewing my credit report, its clear that this situation is even worse. My report is filled with inaccurate information, and the stress its causing is overwhelming. As a consumer, I have the right to fair and accurate reporting, yet I find myself in a frustrating battle to correct errors that should have never been there in the first place. Its disheartening to deal with this, especially when these inaccuracies are dragging down my credit score and limiting my financial opportunities. It is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit card or prepaid card

Kohl 's charges an exorbitant {$25.00} fee on late payments for any balance, regardless of how small. This is excessive for small balances. For example, a typical balance for my family would be {$100.00} - {$200.00}. I forgot to pay the bill before the payment was due, and was charged {$25.00}. This is a 25 % charge on a {$100.00} balance, over just a month 's time! I don't know how to figure out what the % would be over 1 year, but even {$25.00} is ridiculously exorbitant. Further, they try to promote use of their credit cards, for precisely this reason is my guess. Please help!
Product: Debt collection

convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe XXXX but I do not owe any money to XXXX. same scam happened to me 2 years ago and I accidently sent XXXX to a different company that said I owed XXXX money. spoke to XXXX 2 years ago and they confirmed that I did not owe them any money.
Product: Debt collection

Since XXXX XXXX days, I have XXXX different calls missed from a company addressing themselves as Bell Global XXXX XXXX I have done research online and feel it is likely a company buying old debt, or not even actual debt but just information. In the past I did have overdue credit cards but I have worked hard and repaired my credit to where my credit report does not show anything in collections. 

Anyways, Bell Global is supposedly run by XXXX XXXX, who used to work at XXXX XXXX XXXX, which has had multiple lawsuits filed against it for bad debt collection practices. Bell Global also has not sent me any sort of letter correspondence. Bell Global does not have a debt collectors license in the state I live in, nor shows up as a business entity in my state ( Tennessee ) period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid my XXXX XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Product: Debt collection

XXXX XXXX is attempting to collect a debt they allegedly say I owe but have no proof I owe them a debt and they are still reporting to the credit bureaus that I do owe them which has been hurting my credit for the last 4 years. I've tried multiple times to straighten it out with XXXX XXXX and the credit bureaus but they refuse to remove the collections account. I have attached a link to a phone call I had with the XXXX XXXX representative where she clearly states she can not verify it was me who opened the account but still wants me to pay it. I did tell her I was recording for the purpose of filing a complaint and for filing a lawsuit. I just want this company to stop reporting this fraudulent account on my credit report. This recorded call should be enough to finally remove this collections account from my report for good now. 

XXXX XXXX XXXX
Product: Credit card

I've consistently made sure that payments on this account are made promptly, preventing them from ever being overdue. I'm uncertain why there are late payment remarks on my accounts, especially considering the provisions of 15 USC 1666b - Billing Error.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} 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

XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire XXXX who lie and teach them how to lie to the general public, Then they incentivize them to do their dirty work. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within XXXX days to XXXX XXXXXXXX XXXX. I am requesting your assistance in dealing with this situation.
Product: Debt collection

The insurance company paid the dental office, i was covered and provided my insurance information to the sensual office the day of the cleaning, when looking on my credit report it doesnt have an amount on it. The report just the collection company name. I have Been trying to resolve this and get it removed.
Product: Mortgage

Discrepancies with XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX originated from XXXX XXXX XXXX in which the Payment Credits have not been applied to the said Loan for Principal Payment Reduction Credits, Interest Payment Credits and Escrow Payment Credits other than idled / situated in the order of Suspended Account Funds.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such that in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$990.00}, XXXX XXXX XXXX balance {$560.00}, XXXX XXXX XXXX balance {$1500.00}, XXXX XXXX balance {$600.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX {$0.00}.
Product: Money transfer, virtual currency, or money service

I had to download XXXX  XXXX XXXX app on my XXXX XXXX XXXX XXXX. I was unable to do it because my XXXX region is XXXX. I had to change it to XXXX. To get help I searched on safari, apple customer care and selected a link that led me to a number XXXX ( XXXX ) XXXX. The person introduced himself as XXXX XXXX XXXX. He offered to assist me and was impersonating as apple customer care employee. He asked me to download XXXX assist where I shared my screen. He made me go through settings and verify my identity for changing my region and cancelling my subscriptions ( XXXX XXXX and XXXX ). He did change all these things and I am now able to change the region. But to verify my identity to initiate the process, he asked me to XXXX XXXX XXXX XXXX $ on Tuesday, XXXX followed by XXXXXXXX XXXX wire transfer stating we needed the money to show you as a real person in the XXXX to verify your XXXX ID as I didn't have an active SSN. The address was based in Nevada. He told me he stays in Nevada and works remotely and his office is in California. While doing all this, he also sent emails from apple support/ apple wallet. ( XXXX via XXXX ) They also sent me an email saying the money would be refunded both wire and XXXX. Following that, the next day they asked me to do another transaction through XXXX for XXXXXXXX XXXX  to get the refund back. After I did that, they asked for another XXXXXXXX XXXX which was my account balance to refund. That is when I understood it was a scam. I asked to speak to a supervisor and they changed their voice and accent to converse further. They called me and texted me non stop both the days and were constantly assuring and stayed in touch. They kept saying that XXXX will refund everything, this is a normal procedure. They used multiple accounts to get the money. They also asked me not to contact chase or do anything to my account as it would affect the refund process. they also gave an employee ID : XXXX. they also gave their supervisor 's employer id and name : XXXX XXXX XXXX, EMPLOYEE ID XXXX. The numbers for XXXX : XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX PA, XXXX XXXX, FL XXXX ( XXXX XXXX ) and XXXXXXXX XXXX from XXXX  XXXX XXXX via XXXX. Wire transfer : Quality garage, ... ... XXXX ( XXXX $ ) I vaguely remember the address being in Nevada. They also took my passport details in the form of photos. they had an XXXX accent and sounded like they were between XXXX years maybe. they said things like when I was in college I had my transaction of XXXX stuck as well so don't worry we will refund all your money you dont have to be scared. they also made me add the XXXX recipient as my name - XXXX. another number they used : XXXX
Product: Credit reporting or other personal consumer reports

I never had late payments : 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 XXXXXXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX  This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it from my credit report
Product: Student loan

I have applied for the SAVE plan and after finally having it processed after almost 5 months, I was ready to start making payments again. My first payment was supposed to be in XXXX. However, Nelnet put an administrative forbearance for another 2 months as the email stated they were still processing the SAVE plan when it was clearly already processed. Now I have to pay another 2 months of additional interest and not able to pay on my student loans because of Nelnet 's mistake on placing an administrative forbearance stating that they were processing SAVE plan when it was already processed. I called Nelnet for the administrative forbearance to be removed immediately and restart payments in XXXX or XXXX when able in which they stated it will take 2 weeks to process which it already has been. If Nelnet responds that it will just take more time, that is NOT an acceptable answer as the whole process has taken almost 6 months to go to SAVE plan and is grossly negligent on Nelnet 's part.
Product: Credit reporting or other personal consumer reports

I am disputing this account. E-oscar code - 101. I'm NOT LIABLE FOR ACCOUNT NO CONTRACTUAL AGREEMENT Please delete from my credit report XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have serval auto loans with XXXX. I have on numerous occasions attempted to get them to rectify the inaccurate reporting of information on my credit report. The issues first started when one of my three auto accounts payment was not drafted on time. The account used to supply payment had been closed by my bank due to fraud and and new banking information was loaded into the system as alternate payment. Now depending on whom you speak with at XXXX and which Department you speak with XXXX 's story always changes. Now I'm told part of the program is XXXX 's Department are unable to speak and share information with each other, which I find hard to believe in the XXXX Century. 

Depending on whom you speak, I was last told that once and account had a reported closed account attached to it, the consumer can NO LONGER amend their payment, nor can they add a new account to continue with the ACH payment. On top of this since the account was set up as " Paperless Billing '', XXXX made no attempt to notify myself of the missed payment via mail or phone. They do however claim to have sent emails, to which they acknowledge I never opened. 

Therefor in the end my account went two payments past due before I caught it, over paid the account and ultimately within 5 months of discovering the error just paid the vehicle off. 

XXXX in my opinion used deceit and fraud to dodge the responsibly owed to all consumers by not supplying notice of reported delinquency, as well as charged extra fees for late payments, that would have been made had they made any attempt to contact myself. They stated that they their policies regarding responses to their clients and not permitting the system to continue to attempt to draft off the account was somehow a safety trigger for the consumer. XXXX, go figure they over charged me fees, and somehow did me a favor?? At no time did XXXX ever notify me that their " policies '' had changed, and that if and account needed a new banking information attached that this would be impossible without reapplying for a whole new account! 

Due to their errors I have been denied credit, saw my average XXXX XXXX drop from XXXX to under 700. This has also meant that loans I needed for my business now put me at higher credit risk, and ultimately cost me more in financing fees. Quit interesting since I have two additional loans with XXXX that were not affected. XXXX should be investigated for FRAUD!
Product: Debt collection

I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX 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 me 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. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 reporting, credit repair services, or other personal consumer reports

I've sent disputes to XXXX, XXXX  and Equifax. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.
Product: Credit card or prepaid card

I transferred money to my Apple Card by Goldman Sachs to cover my balance and my credit card was restricted after. The customer service agent refused to tell me why my card has been restricted or give me a time frame regarding when it will be released. This is unacceptable considering I use this card for the purpose of purchasing groceries and other food items.
Product: Mortgage

On XX/XX/XXXX I entered in a mortgage loan with XXXX XXXX for a loan of XXXX payments of XXXX with 10.01 % interest rate after coming out of a terrible predatory lending contract which was worse, but this seemed to be manageable. Over the years I have had some financial struggles but have always attempted to pay something on the mortgage. The problem came when the mortgage was sold and a payment got lost, then I got laid off due to injury and there has been issues every since XXXX. The mortgage continued to be sold without my consent to transfer debt, Each company demands payments in full or threatens foreclosure, even though the mortgage was behind when they purchased it. Fast forward to XX/XX/XXXX the new lender Sn service corporation, decided to foreclose on my property due to the mortgage being behind. I was able to speak with them stop the foreclosure and pay a significant amount of the past due ( XXXX ) {$8000.00} XX/XX/XXXX and agree to payment arrangements for the next 12 months. I paid {$2500.00} XX/XX/XXXX, {$5000.00} XX/XX/XXXX with ( 54 ) weekly {$200.00} payment XXXX last sent I thought I paid enough ahead. then started sending {$200.00} weekly there after. I was getting the statements they didn't make sense as far as the balance but was told just keep making the payments so I did. I get an email 2 days ago stating we will be moving forward with the foreclosure. Why? According to my records I have paid {$26000.00} on a {$25.00}, XXXX debt. They claim, I didn't keep my end of the plan but like I said the statement are confusing with all these unapplied payments, I'm sending money faithfully but they are not applying to my debt last week I got a check back, however the money is in limbo because it comes from my bank and the deducted from my account. How can a debt collector refuse payment, no matter how much it is? Do they want the debt satisfied or not? Is that legal. My original loan does not mature until XX/XX/XXXX per them and I have not signed no other document for any of these companies, so how they can purchase a mortgage that's already behind with out my consent, demand payment, not accept the payment then decide my loan is up XX/XX/XXXX is unclear to me. I would like to make a plan to put my payments escrow or probate, pay directly to a court, because not they are not accepting and money from to purposely keep me in debt. Thy have fees which don't consent to paying, The company is using predatory tactics to try and steal my home to resale contributing to gentrification. They should not be able to buy and sell mortgages without the consent of the mortgage holder. I have satisfied this debt, they doing something illegal