23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son was in an XXXX accident  in GA with my car, both were insured by XXXX XXXX Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was zero. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. 
USAA, the other driver 's insurance company, has hired XXXX XXXX to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. 
Because XXXX XXXX denied our claim, we are being harassed by XXXX XXXX who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. 
Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by XXXX XXXX. This has also negatively impacted my son 's condition of XXXX XXXX for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. 
We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. 
Thank you for your time and the opportunity to state our case.
Product: Credit reporting or other personal consumer reports

I listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/scrub>/2024. XX/XX/XXXXXXXX XX/XX/scrub>/2024. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report or deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit card or prepaid card

First, on XX/XX/XXXX, I contacted Wells Fargo using the toll free number provided in the billing sent via email to dispute the charges and to let them know that the old credit card I had ( XXXX XXXX was closed on my request with a XXXX balance. 
Secondly, I told the associate that I have not applied for nor have I received the credit card ; and, third and most importantly, I was not in the country when the card was sent and the charges were made. 

The associate from the Wells Fargo dispute center told me that someone from their office will contact me within seven days to let me know of the status of my dispute. Instead, the company sent me a letter stating that I have violated the card agreement and that I am responsible for the {$XXXX} charges, late fees and penalties. 

The outrageous claim that I violated the card agreement is that there were none to begin with since I have never applied for or received the card. 

The charges were made in early XXXX when I was actually working at the XXXX XXXX to the XXXX XXXX in XXXX XXXX, XXXX. I left for XXXX on XX/XX/XXXX and did not return to XXXX until XX/XX/XXXX. The charges were made at bars and cigar shops, places I never been in my life. 

Wells Fargo 's poor business practice has led to my credit scores plummeting from the high 700 to the mid 500s.
Product: Credit card or prepaid card

I have contacted Capital One on several occasions via letters XX/XX/XXXX & XX/XX/XXXX and - most recently calling on XX/XX/XXXX and XX/XX/XXXX regarding a late payment reporting differently at different credit bureaus. On my XXXX report I go from making on time payments one month, to immediately being 60 days late the next month ( XX/XX/XXXX ). You can not go from on time in XX/XX/XXXX to 60 days late in XX/XX/XXXX in a one month period. This one error of showing 60 days late has dropped my credit score by 100 points. On my XXXX report I go from making on time payments one month, to being 30 days late ( XX/XX/XXXX ). Both can not be correct. I can not be 60 days late on XX/XX/XXXX at XXXX and 30 days late at the same time on XX/XX/XXXX at XXXX and XXXX. The 60 days late alone at XXXX  has caused my score to drop tremendously. I would like these late entries deleted from all 3 credit bureaus and to report on time payment for the month of XX/XX/XXXX. I have been a happy customer at Capital One until this one issue. I have paid my balance to down to XXXX. I have a right to have Capital One report accurate information. I would like the late payment deleted all together from all 3 credit bureaus for the month of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this over a year. A copy of my license and social security card along with a check book was stolen. The police in XXXX XXXX can not make a police report. In the past year my credit has been ran multiple times and every time I call Equifax they tell me that inquires are factual data. This is beyond frustrating I keep getting the run around. The FTC tells me to contact the credit agencgies. The inquires that are in question are as follows : XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018XXXX
Product: Debt collection

CASE : XXXX Macy 's response to you said that Macy 's had deposited my refund of {$43.00} into my XXXX Acct on XX/XX/2019. My bank statement does not show any deposit from Macy 's. You need to know they are misleading you, & Macy 's is now given my name to Debt collectors. What's more, I have informed Macy 's Reps of their error on multiple occasions, but Macy 's continued to charge me interest & fees on money I did not owe! In fact, they still owed me!
Product: Credit reporting or other personal consumer reports

I was notified of this delinquent account from XXXX  on XXXX they called me about 30 times a day. The account is in my Fathers name XXXX XXXX, so does not belong to me, which they knew and stated but still said information was accurate when I disputed it with the credit card bureaus. It is also over the stature of limitation for my state North Carolina XXXX, so they are breaking 2 laws. They said they would send to the credit reporting bureaus updated information in XXXX XXXX still have seen an update or anything mailed to me from them which they said they would. Midland Credit Management is the company.
Product: Debt collection

We entered into an agreed judgement with XXXX XXXX in XX/XX/. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that XXXX XXXX never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.
Product: Credit card

I called the Arvest bank on XX/XX/XXXX  and spoke with a Representative over the phone regarding a Credit Card application and asked a question since I don't live in the states where the Bank has branches so, Can I apply for a credit card she told me on hold for several minutes and advised me to go ahead and submit the application online. 

I did submit my application as she told and after a while, I got an email they had declined my application for the same reason that I don't live in those local cities. 
This is the most unprofessional bank one can interact with, If they don't serve the area why they are allowing and advising the customer to apply? 
Also, there is nowhere in the application process or in the whole website you can find such information that customers from other states are not eligible for the application. 
I would honestly never deal with this bank again regardless even if they decide to expand to other states with such ridiculous customer service they could have at least not made a credit inquiry on my credit report as they don't serve the area but like I said this bank is a Joke and so is there process.
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my credit report that I never received or applied for anything from those companies XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never done business with them company at all. Im a old woman and dont need this headache
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card bill in full before the due date, and upon using my card it was declined. I called my credit card company and I was inform my card was returned which caused my account to be closed. I informed the representative that I never returned my card and Im attempting to use it as of XX/XX/2022. They credit card company informed me that she does not know what happened and state to give it 24 hours and they will reactivated my account. However the credit card company report to the credit Bureau XXXX and XXXX that my account was closed with a remaining balance. Which impacted my score Negatively by XXXX points. I reached out to the Credit bureaus and was informed to reach out to the reporting creditor to resolve issue. I did what was Instructed. And when I called my credit card company ( Bancorp South ) they informed me there is nothing they can do and I need to contact the Credit bureau. I was never told I will have this issue resolved.
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX informed me that {$2000.00} and {$200.00} were disputed with THE XXXX XXXX, XXXX XXXX debit card ending in XXXX. Consequently, the Add Money transaction was reversed, and the funds were removed from my XXXX XXXX balance, meaning this money was returned to my Chime debit card. However, Chime has not yet released my refund. 

Despite speaking to multiple representatives and providing proof of the situation, Chime still has no information about the {$2200.00}. They even made me reopen my dispute claim for reasons unknown, even though the funds were supposed to be returned to my account within XXXX business days. It has now been over XXXX business days. 

On XX/XX/year>, I spoke with a representative for an update. He informed me that the dispute was still in progress and that I was eligible for a provisional credit, which would be deposited on XX/XX/year>. However, when I called back the same day to inquire about the provisional credit amount, another representative apologized, stating that I was not eligible for any credit. 

Chime has been giving me the runaround for months, and despite finally getting the money disputed, they are withholding my funds.
Product: Mortgage

Per an Independent Foreclosure review conducted by the Office of the Comptroller, they concluded that Bank of America practiced " deficient mortgage servicing and foreclosure processes. '' This foreclosure review relates to the following Bank of America accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$32000.00}. I received compensation from the Office of the Comptroller as a result of this ruling. 
Pursuant to the Independent Foreclosure review performed by the Office of the Comptroller, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information on my credit report, which was based on " deficient mortgage servicing and foreclosure processes, '' caused me to be denied employment.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX XXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

see attachment : Thank you, so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested the credit bureaus to do a verification of all items reporting for accuracy. They completed the investigation and stated the information was accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the fair credit reporting act these creditors or creditor has violated my rights under 15 U.S.C. 1681a sec 603 15 U. S. C 1681 sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to lower my credit score when my balances are GOING DOWN. TransUnion is DANGEROUS to people who are actually working to improve their scores. Will my credit score go UP if I max out my credit cards? Who's running that XXXX  business, a toddler?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.
Product: Vehicle loan or lease

GM financial and XXXX XXXX XXXX. 

GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess. 
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video. 

My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX with XXXX miles. Not even 5 days later and less than XXXX miles, the engine blew. 
They were required to replace it due to XXXX  Lemon Laws and promised me an engine with less than XXXX. Instead on XX/XX/XXXX I show up to get the car and they had no information on the new engine. 
It took nearly an hour and a half to get the requested documents and come to find out, they put an engine with XXXX miles in it and they gave me the written warranty as well. 
Fast forward to XXXX, XX/XX/XXXX, less then 3 months the engine blew for a second time. They took it in on XXXX, XX/XX/XXXX. I had to call the next day to learn that the engine seized and I needed a new engine for the third time. 
Since Monday, XX/XX/XXXX I have been waiting on a call from the general manager and instead others call me. 
Today, they wanted to install another engine with absolutely no information. They don't have a vin number or the number of miles. Their mechanics actual said engine mileage doesn't matter. 

I have spoken to Capital One, the financer of the loan and they are willing to do a flat-cancel, however, XXXX XXXX is refusing and wants to instead put an unknown engine into my car.
Product: Debt collection

I got my wallet stolen and someone used my stuff to open a card and now its on my credit sent police report from the day the wallet was stolen and also a report showing that they have my info. And dispute the action. And still no response. Which has effect my credit score so I cant buy anything with this on there.