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

I have contacted the each credit bureau Experian, XXXX, and XXXX to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. Experian received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX  / XXXX Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}
Product: Credit card or prepaid card

A payment was submitted on my Apple Card on XX/XX/23 for {$2000.00} from my XXXX XXXX XXXX XXXX account ending in XXXX. I have used this checking account exclusively throughout the life of my account with XXXX successful transactions. I contacted Apple Card support since the available credit did not update as it normally does. I was told this transaction will reflect on XX/XX/23 and that the payment was on hold. When requesting to speak with a manager I was told they can call me back in 10 days and that the decision would not change. On XX/XX/23 the ACH transaction for {$2000.00} was posted on my XXXX XXXX XXXX XXXX account for my Apple Card. As of XX/XX/23, the available credit has not been adjusted to reflect the credit. When calling Apple Card support on XX/XX/23, I was told by a manager that the Apple Card Customer Agreement allows for 10 days to process payments. However, this information is not found in the Apple Card Customer Agreement, which reads " Electronic Payments If you initiate a one-time payment using a Payment Source Account before XXXXXXXX XXXX ET, we will credit the payment as of that calendar day. Otherwise, we will credit your payment as of the next day. '' Thus, the payment should be applied to the account. Furthermore, it reads " Credit Availability After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your Apple XXXX, accessing XXXX XXXX Apple Pay, online at card.apple.com, or by contacting us. '' Apple Card does not state 10 business days to process payments and to adjust credit limit for available spending.
Product: Debt collection

Honda Financial calls us five times per day every day seven days per week, after we have told them the payment has been mailed and we are just waiting for their processing. For example, we sent them a payment six days ago and it still is n't processed When we ask them for payment information about the status of the accounts they refuse to give that information and hang up the phone. We can talk with them and let them know when we are mailing the next payment and five minutes later they call again, with no knowledge of the previous conversation. They are impossible to work with. But all they do is inundate us with harassing phone calls day and night. We have sent complaint correspondence to Honda Financial expressing the problems but they refuse to respond and continue the above harassing phone tactics. They do n't even know which of our XXXX accts they are calling us about. In addition, they continually to send threatening msgs without regard to payments mailed to them, and other circumstances of these accounts,
Product: Bank account or service

I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.
Product: Debt collection

I made a request for an income driven repayment, around the beginning of  XXXX ,  201 7. I submitted it to Navient, as requested by the Department of Education. I was by    letter it had been approved by Navient, even with the dollar amount of repayment. Yesterday (   XXXX   XXXX  ) I got a phone call, supposedly from  Navient  demanding monthly payments that are huge, far more than i can afford or than the approved amount in the repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.
Product: Credit reporting or other personal consumer reports

XX/XX/year> late fee was issues on my credit report from Truist. I have spoken with them numerous of times. They say they are no longer reported that account as late and it would fall off my credit. It is still showing on my credit after fraud manager XXXX XXXX 3 times stated it would be removed.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.
Product: Checking or savings account

On XX/XX/2022 I initiated a transfer for {$2200.00} from my XXXX XXXX  account to my Bank of America checking account. I initiated this transfer on Bank of America 's site. The transfer was completed on XX/XX/2022. My checking account was immediately closed on that day. I was on a vacation at the time so I could not thoroughly investigate why this happened, but I made my first call to the closure department on XX/XX/2022. I was told they could close my account for any reason at any time, and they do not have to disclose why. I was able to find out from another checking account representative that the total in my account was {$2200.00} which was accurate because my account was nearly empty when I initiated that transfer. On XX/XX/2022, I received a check in the mail for {$0.00}. I called Bank of America again and got referred to the risk department. I was told I have been paid out all money due to me and that my {$2200.00} is being held as it is under investigation. I was told that I could go to a branch and attempt to have them talk with a banker from XXXX, but once I got to the branch I was told that they would not do any discussions over the phone. Since XXXX is a virtual bank that creates an impossible resolution. When I asked what other options I have I was told that I can just keep calling back in for updates, but that was all the information that I was being told and was also told there was no deadline for when the investigation would be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : DEPARTMENT OF EDUCATIONXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Debt collection

We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, Go Financial. Somewhere down the line, a new provider, XXXX, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them :  Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent XXXX payment of {$290.00}. Please visit XXXX for full details. For help : HELP. To opt out : STOP. 
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
Product: Vehicle loan or lease

I have previously issued a complaint about this. I had an issue with this company reporting my account in delinquent status incorrectly. I did not pay the taxes due on the vehicle waiting for an abatement from the state. There was a balance of {$31.00} due after the abetment. XXXX never sent a new bill just reported my account as delinquent on the full balance of the lease which is dragging my credit score down. They keep telling me they fixed the issue but it is still showing up on my credit report as seriously delinquent.
Product: Credit reporting or other personal consumer reports

My name is wrong my physical address is wrong its just false information
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing 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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX CO XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX XX/XX/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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activities, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I found my account closed due to inactivity. I still have XXXX points and now its forfeited without my knowledge. Please reimburse the point reward.
Product: Checking or savings account

Cashed a check on XX/XX/22. I was told there would be two holds after the next day deposit of {$200.00}. On the XX/XX/22 now they say that XXXX be the full amount hold, representative says because they can't verify the check. My check is from my lawyers office. I gave the accountant phone number to bank of America to verify the check. Still say there is nothing you can do with my money in your bank. This is way I don't leave money in the account. Someone needs to do something now.
Product: Credit reporting or other personal consumer reports

Under XXXX5 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. XXXX Credit information on my report is inaccurate, I reached out to the lender directly on XX/XX/year> and spoke with a supervisor Agent No # XXXX since this account has been closed and paid as to the terms and agreement they are unable to send me any information on this account I had mentioned the late payments on my report that are not accurate and they have no idea why and can not send me any verification to clarify this on my report, I ask that this be reverse to paid as agree remove the late payment since my account has never been late and is paid in full.
Product: Debt collection

They keep calling over and over and will not stop. we don't owe any one any money to where they send a debt collector to contact us. we have great credit and we pay our bills. we would like to have this company to stop calling and do not contact us through any means. Thank You.
Product: Checking or savings account

On XX/XX/2024, somebody impersonating a police officer stole money from my account, using XXXX to wire it to a person impersonating " XXXX XXXX XXXX XXXX XXXX '' One transaction was {$1000.00} and the other was {$1500.00}. This was somebody IMPERSONATING the account, which is a felony and has been reported to law enforcement. The supposed " XXXX XXXX XXXX '' account was CONFIRMED TO BE FRAUDULENT. The claims department at Wells Fargo has been gaslighting me, claiming it was the " XXXX XXXX XXXX '' despite overwhelming evidence to the contrary. Wells Fargo has been gaslighting me further, claiming the transaction was " authorized '' and are refusing to explain why they are not refunding the {$2500.00} that was stolen from my account. They are also gaslighting me in stating " You never lost {$2500.00}. I see a transaction of {$1000.00} to the XXXXXXXX XXXX XXXX XXXX [ fraudulent ] and {$1500.00} to the XXXX XXXX XXXX XXXX  [ fraudulent ] ''. XXXX. Additionally, they deliberately combined two separate claims into one, thus trying to find a loophole that would prevent them from refunding my money. These thieves have taken everything from me and Wells Fargo is gaslighting me. They are mistreating somebody who comes from poverty and lives hand-to-mouth. I have been fighting this for months now. Please escalate this to whoever is deciding not to refund the UNAUTHORIZED withdrawals of {$1000.00} and {$1500.00} from my checking account.
Product: Debt collection

I contested an apartment Community billing amount of {$3000.00} in XXXX where Judgement was for me to pay {$830.00}. Property Manager immediately sent {$3000.00} to Collections Agency called Rent Recovery who listed the {$3000.00} with all XXXX-credit bureaus. On XXXX XXXX, XXXX, I contacted the manager of XXXX XXXX XXXX where the Manager adjusted the amount down to {$1900.00}, and he forwarded this Corrected amount to Rent Recovery. Problem : Rent Recovery has failed to submit the Corrected Balance of {$1900.00} to the credit bureaus. I have requested a Corrected Billing from Rent Recovery, but have not received it. Rent Recovery says their requests to generate this new document was made 3-4 times and that I should have it. Now Rent Recovery has said they Do Not Generated Corrected Billings or Settlement Letters. I need a True Balance Bill to verify the Corrected amount I will be required to pay. Rent Recovery is rude and will not confirm that they have sent any updated billing to me or the credit bureaus as they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XX/XX/XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Credit reporting or other personal consumer reports

I sent XXXX letters requesting a validation of debt for accounts that did not belong to me, and for the removal of incorrect information from my credit report. They sent an immediate response saying it was valid with XXXX information to back this claim. I sent another letter more specifically requesting hard copies of any documentation, nothing was sent but the accounts were " verified '' not validated. Finally after a third attempt the account was deleted, however the incorrect information is still listed and negatively impacting my credit, causing higher interest rates and fees.
Product: Debt collection

Multiple violations and continuous reporting of inaccurate information with blatant refusal to delete account after being made aware of inaccuracies. Continues to verify account as accurate despite valid disputes. 


Incomplete/invalid account number under XXXX XXXX XXXX XXXX reference to the original creditor violation of XXXX Segment of XXXX XXXX XXXX Reporting a charge off account as an open account Collection agency is reporting a payment history as if they are the original creditor Account status inconsistent between the credit bureaus Payment status inconsistently reporting between the credit bureaus Terms reporting inconsistently between the credit reporting bureaus Comments inconsistent between the credit reporting bureaus Date last active inconsistently reporting between the credit bureaus Multiple dates for date last active proving the account was illegally re-aged by 4 years Date of last payment inconsistently reporting between bureaus proving re-aging of date of last payment by 4 years Continued activity after account was charged off Inconsistent payment history between bureaus with ok status and charge off status reporting when there is no way possible that can be Account type detail inconsistent including unknown
Product: Credit card

I am disputing the collection account with XXXX XXXX account number XXXX, dated XXXX XXXX with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

I spoke with Shell Point Mortgage last week and was told my account was only eligible for a payment plan for three months. 
1st payment to start XXXX XXXX. 

I requested written documentation to be emailed fax or being able to print from Shell Point Mortgage Portal. 

The Shell Point Mortgage attempted but could not sent me the documentation. Was told their system was down. 

My account is still showing for XXXX payment not paid. 

I dont want a late payment on my credit since speaking with a supervisor at Shell Point Mortgage last month from my request to deferred three payments that I was told was eligible for my account.

I end up finding out I was denied the request to defer 3 payments and never received any documentation in writing. 

I just trying to handle my business with this account her I have had for 20 years since 2007 just getting the runarounds. 

No consumer protection.