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

Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what WF has submitted to the credit bureau. What WF asked during foreclosure and pay off was over XXXX more than what I should have paid. 

Wells Fargo states one thing on the Credit Report but request a larger amount during payoff.

Wells Fargo manipulating facts as usual.

Wells Fargo never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when Wells Fargo bought Wachovia out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

XXXX : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX 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 in ( MONTHS REPORTING LATE ) 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: Debt collection

I had a Macy 's card several years ago and I fell behind on the payments. The amount was added for collections and I have since paid off the amount. I have since reconciled the account and paid and closed the account but it still shows on my credit report. I have attempted to contact Macy 's to have the account removed but I never receive any assistance or solutions.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX is reporting account with XXXX XXXXXXXX XXXX XXXXXXXX. Here 's a draft for your CFPB complaint regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : **Company Information : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX **Complaint Details : ** I am writing to file a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that is still being reported on my credit report, despite the company being out of business.

**Account Information : ** **Description of the Issue : ** 1. I have attempted to verify this account with the credit bureau, but they stated that they conducted an investigation and could not verify the account because the company is closed.

2. I sent a letter to the company requesting verification, but it was returned as undeliverable.

3. Despite these efforts, the account continues to be reported on my credit report, negatively impacting my credit score. 

I believe this account should be deleted from my credit report due to the company 's closure and the lack of verification. I request that the CFPB investigate this matter and assist in ensuring that my credit report is accurate. 

**Attachments : ** - [ List any documents you are attaching, such as the returned letter, credit report showing the account, etc. ] Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

In XX/XX/2017 I was in a horrible car accident. The car was totaled. The loan company-XXXX XXXX XXXX- said they would resell the car and XXXX out my balance, I was told it would not be put in my credit since it wasn't my fault. The car has been sold ( per my credit report ) and my balance is now {$0.00} but they placed it in my credit anyways.
Product: Credit reporting or other personal consumer reports

This is in fact another complaint about Equifax and is in reference to the following XXXX already submitted complaints. Reference XXXX, XXXX, XXXX & XXXX. See these previous complaints for the full details. This complaint is for you to look at the XXXX complaints all the way back to 2021 and nothing has been done about this company and there are so many people complaining about the same thing I am complaining about. Their unprofessionalism, their fraud and the fact they are not working within the United States! This should concern whoever is reading my complaints and every person in the US including people in high ranking security levels. If they are working outside of the United States we are in a major security breach with them having access to everyone 's financial information, including all the places we have lived and currently live, and our occupations. This is a very serious matter and quite frankly could ruin the United States by them selling our information. 

I am telling you if whoever is researching this did a little digging you will find no " customer service reps '' that their first language in English?! This is a major problem and keeping a lot of people from getting credit. 

Please, Please for the love of ALL thing HOLY investigate this company thoroughly!!
Product: Debt collection

I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. 

It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. 

I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? 

I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$5400.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX, email : XXXX ) have business buy device to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, have email : XXXX ) who have bank account in XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX they using domain email address almost same ) has send email XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to arrange the payment to : TRUIST Bank XXXX Texas XXXX. 

At XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX have transfer USD. XXXX to TRUIST Bank XXXX XXXX XXXX  with company name beneficiary bank as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info that they not receive any payment from us. And in this moment we realize that our email have been heck ( cyber crime ).
Product: Credit reporting or other personal consumer reports

I need your help with this incorrect account listed on my credit report. This issue has negatively impacted my reputation, and I am asking for your support. The mishandling of my credit report has left me devastated, and the inaccurate reporting has tarnished my reputation. Please correct these mistakes so I can live in peace with my family.
Product: Consumer Loan

I had a vehicle that was totaled in an accident. The after the insurance paid and the warranty refund was received by Ally, they filed for the Gap Insurance payment to cover the balance. I received a paid in full letter on XX/XX/2017. After that on XX/XX/2017, I received a second letter demanding {$370.00} that they said I owed as a balance. I contacted them immediately and spoke to XXXX ( ref # XXXX ) and disputed the claim - letting them know that they filed GAP and provided a paid in full letter. She agreed and said she would investigate and contact me back within 24-48 hours. No one ever called me back. In the meantime, I am purchasing a home and have a mortgage approved based on the pay off of this loan. My credit report reflected the XXXX balance but on XX/XX/2017, Ally falsely reported that I now owed {$29000.00} on this same account. I called them ( today XX/XX/2017 ) and spoke to XXXX XXXX reference # XXXX XXXX. He stated he was sorry for the issue and agreed that I did not owe Ally {$29000.00} on this or any other loan. However, he stated he would need to look into and will get back to me. He had no explanation for why XXXX did not contact me. At this point, it must be removed from my credit report or I could lose my approved mortgage loan on my new home. This is a clear violation of the FDCA. I 'm livid that they can do this to someone - especially when we cooperated fully after the car was totaled and all payments to them were timely. Please help me! I have copies of both letters from them - the paid in full and then subsequent demand - along with a copy of the portion of my credit report that shows they falsely reported an amount due on this account that is NOT due.
Product: Debt collection

b'Harris & Harris LTD\nXXXX XXXX\nXXXX\nXXXX XXXX, 2024\nXXXX\n\nI recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.'
Product: Credit reporting or other personal consumer reports

Lexis Nexis provided incorrect information to XXXX and my car insurance is elevated because it this. I never consented for them to have my information, nor do I currently consent to them having any information on me. They are legally obligated to provide the correct information when selling someones information, and I refuse to provide them any personal information. I demand that they correct this report so that my car insurance returns to the cost it should be, as they are legally obligated to do so without any action from me in the first place.
Product: Credit reporting

my name on my nys id is XXXX XXXX XXXX and in my equifax, XXXX and XXXX credit report show as XXXX XXXX XXXX XXXX XXXX and that is not correct my id says XXXX XXXX XXXX dob XX/XX/XXXX address is XXXX XXXX XXXX XXXX, XXXX, new york,XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 


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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. XXXX XXXX XXXX has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit XXXX in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests.
Product: Credit card or prepaid card

I made a payment of {$1500.00} by ACH from my account with XXXX  XXXX XXXX XXXX to my XXXX XXXX with Wells Fargo on XX/XX/XXXX, it was never posted, after 5 days I disputed it, Wells Fargo put another charge of {$1500.00} on my credit card, I have filed a complaint with Wells Fargo executive office and I have been to XXXX deferent branches talking to managers, no one is giving any solution or fix to the this issue. 
I am announcing this to be an organized fraud perpetrated by Wells Fargo as they have been doing in the past.
Product: Credit card or prepaid card

Re-open complaint XXXX. CFPB has marked this as a duplicate. IT IS NOT A DUPLICATE. 

I have two Discover accounts. One ending in XXXX. One ending in XXXX. Both have the same issue. I have the complaint opened on each of them so that both cards are addressed and not just one of them. If I only had one complaint, it would only get resolved for the one account and not the other. There is a ligament reason for having to complaints open and I wish that the CFPB would have reviewed these complaints more closely and they would have noticed that they were DIFFERENT ACCOUNTS and not a duplicate.
Product: Mortgage

We financed our hoe through XXXX- who then sold our mortgage to Nationstar which is now Mr Cooper, when I call the number XXXX I get an automated message that it looks like I have called the wrong number and that my Mortage is services by Mr Cooper ( which is weird becasue I am calling Mr Cooper ), the automated attendant gave the number XXXX as the number to call. When I called that number I was awarded a surprise gift if I was over XXXX I needed to press 1 nd under XXXX press 2, I pressed XXXX and was directed to another automated system tryng to sell me a health monitoring device. I hung up tried to call again and it was the same thing. I called Mr. Cooper 's number ending on XXXX again and was automatically provided with the same information. There is no app that we can download because apparently Mr Cooper and " Mr Cooper '' are 2 different loan services ( so weird! ). They make it impossible to find the phone number on the website, but when I finally did this is what happens? The fact that I can not have an app or contact them with ease is a huge issue we have delt with since XXXX sold our mortage to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I explained my issue with the late payment in my open account. It was technical error that resulted in the late payment mark in my report. Please give me some feedback as it has been already more than 60 days even. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion state that this account was included in a BK and it was not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) 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 TRANSUNION 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: Debt collection

NAVIENT continues to report negative delinquent account marks on my credit with student loan debt they sold to XXXX XXXX XXXX XXXX XXXX, which I settled with and have been making on time monthly payments since XX/XX/2018. I settled {$66000.00} for {$15000.00}. I have the letter to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

The company is Capital Accounts. Very unprofessional company keeps hanging up on me every time I call now instead of discussing this debt with me. This company will not give me a explanation of the debt they are saying is owed. I tried to contact that original creditor and they never return my calls or anything to give me a balance of what this is for. I rented a home from them in XXXX, and back in XXXX all of a sudden a collection agency pops up on my credit report and reporting as a fresh debt instead of the date the original account is from. I never received any notice prior to it going on my credit report, just all of a sudden one day it was there. They refuse to work with me in any way to validate the debt, tell me what it is for, or even report the correct dates from the account. I cant even get them to stop hanging up on me. This a fraudulent scamming company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about XXXX and my XXXX discharge. I sent them the award letter in the middle of XXXX and they have not given me updates while its being processed but instead has reported 9 new installment accounts and 9 new credit accounts on my credit report. I received notice on XX/XX/XXXX that you received my application. In that time, you have reported 9 new installment accounts and 9 new credit accounts to the credit bureaus. This, in turn shortened the length of time when I had the loans in my name and that reflected poorly on my credit report. The interest that you are charging me is inconceivable, and it increased my total amount due and owing according to the bureaus. You never sent me documentation of the interest charges that would accrue while I was under a decision of my XXXX before you notified the credit bureaus. I feel as though during this transition, reporting to the credit bureaus would be the least of your worries since I have given you my award letter from Social Security. During this process, my loans should have been held in a deferment or forbearance rather than reporting the negative information to the credit bureaus.