23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.
Product: Credit card

On the XXXX of XX/XX/, I saw an unknown transaction in the amount of {$1100.00} from a company doing business as viagogo. 

At the same time, I also noticed this amount was charged to my XXXX account and XXXX checking account. I immediately disputed this transaction with all 3, receiving immediate support and mitigation in my favor from XXXX and XXXX. With the Apple Card, doing business as Goldman Sachs, I havent received any mitigation aside from a temporary credit that is due to expire within the next few days. I cancelled my card immediately upon realizing that the fraudulent charge existed, but aside from that and registering the dispute I really dont know what else to do.
Product: Credit reporting or other personal consumer reports

XXXX does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
Product: Student loan

I paid off all my student loans during the forbearance period while they where with XXXX. XXXX transferred all federal student loan accounts to EDFinancial sometime late XXXX. I want a refund for payments made during the forbearance period but EDFinancial claims they can not find any of my information despite being listed in FASFA.gov as my loan provider. This is what I've tried : I called a month ago on XX/XX/XXXX to ask why I couldn't set up an account on EDFinancial, was told none of my information was found, that a support ticket was initiated, and that I would be called back within two or three business days. I received no call. I called XXXX that day as well to check that EDFinancial should have my information despite my loans being paid off and they confirmed this would be the case and that they no longer have my information. I sent an email to EDFinancial around late XX/XX/XXXX and received no response. I chatted with an agent via their new chat feature XX/XX/XXXX. The agent told they me would submit a request to look for my information but could give no case number for the incident or updates. They suggested I reach out via chat again to check in but seemed to have no record of my previous attempts to find my account information.
Product: Debt collection

I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.
Product: Debt collection

I received a fraudulent debt collection from a XXXX XXXX  for {$430.00} which XXXX. I never applied for or got a loan, Ive had several scam attempts lately. I dont even have a hard inquiry for this loan. I did some investigation of this company and to my surprise its extremely common that this occurs. This company needs to be shut down!!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on XXXX but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all 3 bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all 3 bureaus are reporting different two year payment history.
Product: Credit card

On XXXX XXXX I called American Express to inquire about them removing a late fee that was wrongfully applied to my account. I went through their chat feature and they kept dropping me so I called them on the phone and spoke with XXXX at XXXX. I asked him the same question about why the late fee was put on there in the first place, and would he do a one time removal of the late fee. He put the request into the system and came back and said no Im sorry XXXX XXXX it cant be removed. I asked to speak to a supervisor and he put me on hold, then came back after roughly 8 minutes and said a supervisor will call me within the next 24 hours, I was charged {$55.00} for my Internet on the XXXX of XXXX. American Express charged a {$29.00} late fee on the XXXX of XXXX and my payment that I made on the XXXX through my Bank did not post to them until the XXXX of XXXX. I pay my card off each month in full. American Express is wrongfully, charging people, late fees and wont remove them, because they are being dishonest and disgraceful just like they were when they were fined back in XXXX  for similar infractions
Product: Mortgage

On or about XX/XX/XXXX I received a supplemental tax bill and an adjusted tax bill to the mortgage servicer. We had purchased our home in XX/XX/XXXX. 

I emailed my mortgage company as we have the dreaded impound account. I asked them if they paid these tax bills. The response I received is as follows : Please be advised, the mortgage servicer is not responsible for paying the supplemental taxes, it is the borrowers. However, if you would like Shellpoint to pay them, please forward your Supplemental Tax Bill along with your written request to this email address and Shellpoint will pay them. Please note, paying the supplemental taxes can cause the escrow account to be short since they were not calculated into the required escrow balance. Because we are not responsible for paying supplemental taxes, we will not be held responsible for any penalties that may be assessed due to late payment. 

Of course, this leads me to believe they are responsible for the adjusted tax bill as per their email. 

Based on that, I paid the supplemental tax bill on XX/XX/XXXX. 

Then on or around XX/XX/XXXX, I received a delinquent notice for the adjusted tax bill. I emailed the mortgage servicer advising them and they responded that it was my responsibility to provide them with the information as it was not reported on the Tax Assessment Roll Report. Well ... I did provide this to them on XX/XX/XXXX. 

By them not paying this adjusted tax bill, it resulted in a penalty of {$XX/XX/XXXX} which I believe they should be responsible for, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about an inquiry on my credit report around XX/XX/2017. The inquire wasn't authorized by me and should of been removed. It wasn't removed by Transunion due to them telling me it has been verified. I contact the company which was XXXX XXXX and get a letter stating the item wasnt authorized and will be removed from all credit reports. They sent me letter in mail stating that it will be removed. I contact transunion and i faxed and mailed in proof in writing and transunion still refuse to remove it from report at this time. I have been having proof since XX/XX/2017 and they still haven't took the proper actions with removing it from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX  balance or be deleted from my credit in its entirety. Please see the attached 1099C.
Product: Debt collection

CREDIT COLLECTION SERVI( #XXXX ( XXXX XXXX XXXX XXXX, MA XXXX, (XXXX) XXXX) Placed for collection: XX/XX/XXXX Balance: $XXXX Pay Status: >In Collection< Responsibility: Individual Account Date Updated: XX/XX/XXXX
Account Type: Open Account Original Amount: $XXXX Loan Type: COLLECTION AGENCY/ ATTORNEY Original Creditor: XXXX XXXX XXXX XXXX
(Insurance) Past Due: >$XXXX< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im making a statement Any loan from any financial institution/ organization the company or institution must inform the consumer of their rights. Under the Gramm Leach Bailey Act I the consumer XXXX XXXX have the right to Opt Out of getting my non-public personal information shared with non affiliated parties. Non affiliated third parties such as The Credit Bureaus TransUnion, XXXX, and XXXX. This is a violation of my rights by not providing me my Opt-out Disclosure. As a consumer I have the right to privacy and also have the right to opt out of getting non public personal information to non affiliated third parties. Federal Student Aid XXXX is in violation of my rights.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax and XXXX on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXX XXXX  XXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  late reported : XX/XX/XXXX
Product: Checking or savings account

I called citi bank because there was a lot of bank fees making my account overdraft by XXXX I explained to the representative that I had been affected by covid and if there was someone I can speak to about being able to remove these charges the person that I was transferred to as I was explaining myself Stating my situation said to me NO YOU DONT WHEN I SAID I UNDERSTAND THAT when I asked to speak to his manager because he was basically saying I was lying he said theres no manager for you to speak to I said can I please have your name I dont like the way you are speaking to me He said no and hung up on me
Product: Checking or savings account

BBVA recently bought Simple bank, and since the transition Ive lost access to all of my money along with every simple bank customer that was included in the transition. Im currently struggling to budget {$20.00} in cash because of this for the past 2 days & all of my money goes into this account so it is urgent i unlock it to pay my bills & for essentials. They claim the call center would be opened today too for us to call but were all getting the same voices who claim they cant hear us and hang up every time we get connected
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX, account number XXXX. XXXX. XXXX management services, account number XXXX. XXXX. XXXX XXXX XXXX  XXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, transunion and XXXX all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, transunion and XXXX and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
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 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 or other personal consumer reports

Regarding US breach of personal information Social Security address, Credit card, name and other personal information has been illegally disclosed without my consent or knowledge. I am requesting that the Consumer Financial Protection Bureau thoroughly investigates this data breach and takes appropriate action against the party responsible. Furthermore, I am requesting that all negative remarks be removed permanently from my credit report reflecting all three credit bureau to reflect information resulting from this breach I understand the importance of accurate and secure financial information, and I trust that the Consumer Financial Protection Bureau will take prompt and necessary actions to resolve this issue.
Product: Checking or savings account

XX/XX/year> Today I opened a Citibank checking account I put XXXX and now my account is under review, I got blocked and I cant access to my money with no explanation
Product: Debt collection

This debt collector attorney XXXX XXXX XXXX XXXX XXXX has used my private information without my express consent, authorized signature or court order. This debt collector attorney has used my private information without my express consent, authorized signature or court order. They are trying to collect on a 13years old debt with no notification or communication This attorney sent me letters attempting to collect a debt that I do not owe and sends court papers of garnishment tonwrong company. This attorney has misrepresented their real intentions and representation Desired Outcome To cease and desist attempts to debt collection activities on a 13year old debt that passed the statue of limitation and transfer debt collection to another debt collector company To not call my personal phone number and dismissed garnishment court papers. THEY ARE FRAUDULENT AND HARRASSING PEOPLE XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 an entry ( hard credit pull ) was made on my XXXX credit report, indicating that I applied for a JC Penney Mastercard. It shows as XXXX/JC PENNEY XXXXXXXX ( Hotel and travel ). This is inaccurate, in that I did not apply for credit as indicated in my credit 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. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Capital One XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Pulled a hard inquiry on my credit report. I did not give authorization for this credit inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS LEAKED IN MULTIPLE DATA BREACHES, AND USED WITHOUT MY KNOWLEDGE TO OPEN FRAUDULENT ACCOUNTS. WHICH IS HARMING MY CREDIT REPORT.
Product: Debt collection

In XX/XX/XXXX I had my ID stolen. The thieves opened a credit card acct. and bought or attempted to buy cell phones from several companies. I opened reports with the FTC, XXXX XXXX County Sheriffs ( report # XXXX dated XXXX, XXXX ( report # XXXX dated XX/XX/XXXX ), XXXX  XXXX and put a freeze on our credit. All companies affected did investigations and found the activities to be fraud and I had no involvement. XXXX XXXX sent me to a debt collector : XXXX XXXX acct # XXXX. XXXX. They sent me a letter dated XX/XX/XXXX demanding {$3300.00}. I called XXXX and provided them the Sheriff 's report number, the XXXX report number and they said they would report it to XXXX as fraud and to disregard the letter. I received a second letter from XXXX dated XX/XX/XXXX demanding the debt be paid. I sent XXXX a certified letter on XX/XX/XXXX with the same information and report numbers I gave them the first time. I received a letter from a new debt collector for XXXX : Waypoint Resource Group dated XX/XX/XXXX, acct # XXXX demanding the same {$3300.00}. I have tried to settle this with XXXX XXXX XXXX. ( XXXX ) with no luck. 
XXXX XXXX. Waypoint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone pull my credit with out my request with these companies. 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