23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

TD Card Services has recently changed their online payment process for cardholders so that when you go to pay, the options that show are " minimum payment '' ( which is what they are sneakily trying to get more people to only pay ), " current balance '' ( also sneakily trying to get people to select this so they are paid more than actually due at that time and can invest extra and make more money on consumers ' $ ) or " other amount '' - where you then have to type in the amount. Conspicuously missing now is the option that was always there and is always on every credit card, which is the " statement balance ''. 

This is VERY deceptive and misleading. It is also ANNOYING because now in order to pay the amount that is actually DUE you have to go find what that amount is by viewing a statement balance, remembering that amount, and entering it into the " other amount '' option. Many people will simply pay the full or minimum, neither of which are the best option for the consumer. This was clearly an intentional choice- i spoke to a representative who explained that was one of the updates they made recently. This is deceptive practice and should not be permitted. They should be REQUIRED to give payment option that shows your statement balance. Please let me know if CFPB can do anything about this.
Product: Debt collection

Somebody supposedly used my name to cosign on a buy here pay here car, they defaulted and so sports and imports auto sales put it on my credit report all of a sudden a couple years ago. I have no knowledge of this account and am XXXX and i know i didnt willingly cosign for anything for anybody. This is a person i hardly knows debt, i simply referred them to the dealer as i know the owner XXXX from doing business with him over the years. A customer referral DOES NOT MEAN I COSIGNED OR ASSUMED FINANCIAL RESPONSIBILITY FOR ANYTHING OR ANY VEHICLE. I never had possession of or drove said XXXX model XXXX XXXX XXXX seat pickup truck with my XXXX kids! I called and talked to XXXX and he agreed the balance was not mine and he told me to call the credit collector and tell them the situation and explain that XXXX agreed to close the case BUT the reporting/collection agency REFUSED TO! and since XXXX sold them the account he cant do anything about it. I have requested and never recieved proof that this debt is valid and actually mine. They cant produce any proof. And XXXX repossessed the XXXX XXXX  so he got his vehicle back, the XXXX  that was traded in towards the truck BUT he STILL filed a collection and tacked on a reposession fee he said. It was never my vehicle! i never drove it, never test drove anything and i definitely didnt buy anything. I already had various vehicles and furthermore i was newly married in XXXX which is around the time this vehicle was supposedly purchased and that was in XX/XX/XXXX! Its past the time limit and im sure thats why they cant provide validation of the debt because it isnt mine! And its past its XXXXyear limit. So he falsified records in XXXX saying the vehicle was purchased then. NOT BY ME! I bank financed my vehicle in XX/XX/XXXX and am still paying for it currently so why would i go buy a junk vehicle? makes no sense to me or my father and my kids. This is seriously negatively impacting not only my credit score but the collection on my record has literally been the cause of me being denied another car loan to trade up my vehicle, i cant obtain rental housing because of that derogatory blemish on my credit and it has caused me to be denied XXXX  times for a home loan to purchase a home and ive applied every year for the past XXXX  years! Its not only ruining my credit, its ruining my life! I cant even obtain an apartment or anything decent and have been forced into public housing going on my XXXX year. This is truly NOT my DEBT! I really wish somebody would listen to me! I dont owe {$950.00} for a junk truck and a repo fee! Ive never missed a car payment or any payments for that matter ( check my credit ) and only learned of this XXXX when i was denied for a homeloan and have been disputing and attempting to get this resolved & removed ever since.
Product: Checking or savings account

the bank is stealing funds and illegally charging my account. They claimed i withdrew XXXX dollars when you can only withdraw XXXX dollars a day. Then they charge me a fee to get my receipt from the atm at the bank. They told me my account was overdrawn which is why I put XXXX dollars in the bank.. In the past they gave collection companies access to my account without a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 






XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- summary Account Number XXXX Original Balance {$710.00} Current Balance {$710.00} XXXX XXXX Last Updated XXXXXXXX XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX In the brink of the Covid pandemic on on XX/XX/2020 I had a late payment on my capital one credit card 30 days late. Also in XXXX XXXXI was 60days late and in XX/XX/2020 I was 30 days late. I had just got laid off from my job just like half of the world did. Money was tight and I could not make my credit card payments. Since then I have bounced back and have made all my payments on time. I have reached out to capital one and asked for the late payments to be removed but to no prevail they told me they would keep the payments on there. This is really affecting my credit score and life I need good credit and good credit history to one day own a house for my family. Please HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Since I could I only pick 1 box, here 's the first complaint : they are reporting a 9 year old Chapter XXXX Bankruptcy to my active part of my report, allowing my FICO score to be pulled down. 

I already disputed the accuracy of this. In XXXX, XXXX, and XXXX of XXXX. It's STILL on there. 

Because I couldn't get into their faulty site, I used a free service on XXXX, which only pulls the Experian credit. Well there, 9 full years later, it states my credit score is only XXXX because of a " derogatory public record ''. After 7 years they can't report this for the score. 

Then it states " Few accounts paid on time '', must be referring to the Bankruptcy. I have TWO accounts. 
One with a {$0.00} balance, never late. 
Another with a {$400.00} balance, never late. 

I'll continue this complaint under the correct header. They also have that I currently have 27 accounts. I have TWO! They are reporting one closed in XXXX, and another from XXXX. 

It's currently XXXX.
Product: Checking or savings account

had identity theft which had been going on for years without knowledge. reported it to the govt and have a case number. charges were still coming in and the bank refused to take them off as paperwork was already submitted. this affected my daily balance for the last since causing XXXX in od fees and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2020, I noticed that Ford Motor Credit Company had pulled my credit. This was done without my authorization. I called Ford Motor Credit Company and they advised that there was nothing they could do to help me in this situation. I am concerned that my credit was pulled without my consent and further worried that someone maybe trying to take out a loan using my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports, per the CFPB. Why are these still showing on my credit report in 2023? All three credit bureaus are still reporting old, small medical collection accounts and this is hurting my ability to gain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am also showing incorrect employers of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I opened a checking account in Citibank on XXXX XXXX, 2018. The banker enrolled me in a promotion for {$200.00}. It said I can get {$200.00} if I deposited {$5000.00} in 30 days and keep it for 60 days. I made the deposit on XXXX XXXX and kept it until XXXX XXXX. It is 75 days. But I haven't received my promotion. I have contact with their customer service. They just kept asking me to send them my Form XXXX. And I have sent several times. But they never paid me the promotion.
Product: Prepaid card

I receive {$1300.00} a month in XXXX benefits, I don't have any other sources of income. I receive my benefits through Direct Express which is managed by Comerica Bank. Somebody hacked my account and changed my address and then proceeded to order a new card. They then withdrew my entire monthly check at an XXXX. The location of the new address and the XXXX used are not near me and I have never been to that area. When I discovered the theft I tried to report it, but the company would not allow me to until I had proved my identity by sending them a scan of my drivers license. Although I had to prove my identity to submit a report of theft they did allow me to change my address back to my correct address and to cancel the fraudulent card and order a new card ( without proving my identity ). This fact alone is very concerning. After submitting a questionnaire through email I waited for a couple of weeks expecting to hear something. I called them and found out they had closed my case, they didn't contact me to tell me or to ask any other questions in the prior weeks. They said they closed my case because of " conflicting information '', there is no other way to put this than to call it what it is, a lie. Besides the fact that the employee was rude, as well as the supervisor, I asked to speak to the supervisor and they rudely but reluctantly forwarded my call to the supervisor. The supervisor agreed to send me a letter explaining why they came to this conclusion and said they would reopen the case when I submitted a police report, which I have done. The letter they sent fails to explain why they came to that conclusion and merely mentions a number of general reasons, some of which are ridiculous. They don't appear to be reopening my case and the way they handled my case clearly shows they have no intention of actually processing my claim. I have not received my FDIC backed refund from them of my stolen money and they have no intention of complying with the law. I barely got through the month of XXXX as my only income was stolen, there many days that I had nothing to eat and my bills piled up, and being unable to pay them only made it worse as most bills have late fees that are applied. Comerica bank is no better than the thieves that stole my only income.
Product: Credit card or prepaid card

First Progress closed my account and didn't even alert me that theyre closing the account. I would like an explanation of why my account was closed but yet I still have access to my online account and was able to setup and make payments but according to my credit reports it closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that Equifax complies with federal law and provides consumer with the necessary proof of investigation.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Lockhart , Morris & Montgomery , Inc . Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do it.
Product: Debt collection

This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but XXXX XXXX   reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with XXXX XXXX also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries, and I did not apply for anything or ask anyone to run my credit report
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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I was contacted in XX/XX/XXXX at work by Advantage Financial a debt collection agency.  I told her I had never heard of them and asked what it was for. She told me she had my signature on file for a document saying I would pay it I told her I 'd never signed anything and I do n't know anything about what she 's talking about. I asked for a copy of these I never receive them I called week later asking for them they said they would send them I still have n't received them. Two days ago I was served paperwork by their attorney. I called Advantage Financial to find out why I had never received the paperwork. The lady who works there told me they sent them to an address when she told me the address I told her I had never lived at that address and do you know what she was talking about. When I told her I still had no idea about this debt and I did n't know what she was talking about she proceeded to tell me it was medical bills for my daughter. I told her I do not have a daughter and this was not my debt. She then said she needed to speak with her supervisor and to call her back. When I called her back she said she was no longer able to speak with me about this and I needed to speak with her attorney. When I spoke with the attorney she threatened if I did not pay this they were going to garnish my wages. I told her I do n't have a daughter and she said yes I do this is my step daughter 's Bill and  they have witnesses and me signing it. However I 've never been married and I do n't have a stepdaughter I do n't even have a daughter. I have since then ask for a copies of this debt and I still have not received it.
Product: Credit reporting or other personal consumer reports

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX XXXX$200.00} XX/XX/XXXX XXXX collection {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto ) XXXX  ( Bank ) XXXX XXXX XXXX Finance ) XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


Delete or remove these accounts off my consumer report, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THESE ITEMS ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!
Product: Debt collection

I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.
Product: Debt collection

Jefferson capital syst is saying i owe XXXX dollars for a bill that's not mines.