23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX @ XXXX and she assured me that my autopay min XXXX for XX/XX/XXXX would come out on XX/XX/XXXX ( XXXX was a sunday ). 

Recieved email the XXXX indicating that my payment was past due Called @ XXXX spoke with a rep who indicated I wasn't set up for Autopay. Transferred to supervisor XXXX and she said " You don't have a late fee, and no payment was due until XX/XX/XXXX. To which I replied that doesn't seem correct, a payment should have come out XX/XX/XXXX. XXXX assured me that no payment was due until XXXX. 

Recieved an email indicating no late fee. 

Recieved an email on XX/XX/XXXX that my payment was still past due. 

Called and spoke with rep who Transferred me to XXXX XXXX, and she explained that bc I made my payment on XX/XX/XXXX ( stmt cycle ends on the XXXX ) that is why my payment didnt come iut as autopay on XX/XX/XXXX. I made a payment of XXXX today, and she assured me that my payment would come out on XX/XX/XXXX. I said " Hold on, I made my payment on XX/XX/XXXX, and my XXXX payment didn't come out, and I am making my payment XX/XX/XXXX, so with that logic it won't come out XX/XX/XXXX '' she said no it will. So if that is the case why didn't my XXXX payment come out?? She says that is different. Asked to speak with sup to which she says " No sup is available, I will have them call you back ''. I indicated I am still waiting for 3 sup calls from XXXX. 

Either the reps don't know what they are doing or they are trying to get more fees...
Product: Credit reporting, credit repair services, or other personal consumer reports

i am in the process of securing a mortgage. Equifax has a freeze on my account. two weeks ago I called to have the freeze removed. i was told to send my license and social security card which i did. today i received a notice that i either do not have credit, have not used credit in 10 years, or do not live in the United States. none of this is true. XXXX XXXX and XXXX both show my scores. Any assistance in this matter would be helpful.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$3200.00}
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2019 at XXXX XXXX, I wired {$4400.00} from the Western Union satellite location at XXXX XXXX  XXXX in XXXX, GA. I paid extra for an urgent transfer which should have been credited to my account within 24 hours. My bank never received the money. I contacted them and Western Union multiple times between Friday and Wednesday of the following week. Western Union repeatedly changed their story about what happened to the money. One operator said the money went to the wrong bank. One operator told me the money was never sent. One operator said they would get it back within 24 to 48 hours. Another said there was no guarantee whether they could get it back. After talking to a supervisor and having an officer from my bank attempt to reach out to them, per his instructions, with me on the line, they stopped answering my calls and deleted the transaction from the tracking system. I have emailed the company through their corporate site. In the meantime, this has been financially devastating for me and my family. without recourse, we have no way to recoup those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW.

EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.
Product: Checking or savings account

Got a text message supposedly from Fifth 3rd Bank sending me an passcode number. Saying here is you access number if you did not request it contact us. First I do not have an account with them and second the phone number is a cell phone. The number the test came in on was XXXX
Product: Credit card

From XX/XX/2016 until XX/XX/2016, BBVA Compass Bank ran a promotion that would provide XXXX rewards points ( each point with the cash redemption value of XXXX cent ) on all purchase made using the XXXX XXXX XXXX XXXX card. During that time I made XXXX payments to a merchant called XXXX with my BBVA XXXX card, XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. Out of those XXXX transactions, XXXX transaction totaling {$4800.00} made on XX/XX/2016 only received XXXX reward points while other XXXX transactions received XXXX points. Thus I am owed XXXX ( XXXX x XXXX ) additional points from BBVA Compass. I contacted BBVA Compass regarding this issue and the bank declined to issue me the rest of points stating that XXXX is not a supported merchant during that promotion. This statement is clearly false as I received the bonus points on the other XXXX XXXX transactions I made during the promotional period ( See Attachment ).
Product: Checking or savings account

I attempted to cash a {$2000.00} check from my father on XX/XX/XXXX for the down payment of a car. The bank where I attempted to deposit the check is Chase Bank in XXXX, Wisconsin, where I have had a checking account since XXXX. I was told the funds would not be available in my account until XX/XX/XXXX. Chase Bank is in violation of the Expedited Funds Availability Act ( EFAA ) as well as the Check Clearing for the 21st Century Act by withholding funds that are rightfully mine for XXXX days.
Product: Credit reporting or other personal consumer reports

Please remove and delete all fraudulent hard inquires off my credit file from XXXX, Trans union, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX reports an invalid debt to the credit bureaus and I am 100 % XXXX XXXX. XXXX XXXXXXXX XXXX never sent me any letter as by FCRA and FTC Federal Law stating this was my account or that an account was in collections or charged off so I have no way of validating the debt. The credit bureaus always side with XXXX XXXX XXXXXXXX since they pay for a trade line to be reported and the credit bureaus make money from them. I am filing this final dispute if it is not deleted from my credit file immediately before I also lodge an XXXX XXXX XXXX XXXX XXXX XXXX  complaint against XXXX XXXX XXXX for taking advantage of this situation. I kindly ask the tradeline be deleted since XXXX never sent me evidence the account is mine and I have a XXXX XXXX which XXXX  causes my XXXX to become worse which this is causing.
Product: Mortgage

The borrower on the mortgage passed away. He was my stepfather and he had a trust that named my mother as his successor. However, before she could trust the property to me, she passed away. The property went to the next in line. He trusted the property to me. My husband and I are on the title through the county of XXXX. The mortgage company refuses to acknowledge me as the Successor in Interest. I have submitted every form they have asked for. I have submitted both trusts and they refuse to give me any information about the property. They are asking for a Trust Certificate. I even had my attorney on the line with them to find out exactly what they need. I asked why they need a Trust Certificate when I have already submitted both trusts. They never have an answer. They have promised me over 10 times that a Specialist will call me back because they dont know. I have never received a call back. They absolutely refuse to give me any information about the mortgage. It is now in active foreclosure. I want to get it caught up, but they wont tell me how much I need to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I had a Walmart credit card and it was closed a while back but I just wanted to get that account re opened at the time I was XXXX and I really didnt know much about credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are reporting inaccurate information. My credit score should be in XXXX   's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Product: Credit reporting

Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.
Product: Mortgage

I got a letter dated XX/XX/XXXX from SLS saying that they sold my HELOC to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX.Original loan amount was {$180000.00}, Date of loan was XX/XX/XXXX. SLS do not own my HELOC any more. Still SLS trying to collect money total {$340000.00} by XX/XX/XXXX. After that it will be {$420000.00}. SLS sent email to XXXX XXXX XX/XX/XXXX and collection letter to my address XX/XX/XXXX again. We filed the Chapter XXXX on XX/XX/XXXX and discharged XXXX. We no longer have a legal obligation to pay it and creditor has no right to collect it. This is FDPCA violation to send email to XXXX XXXX and my home address. A cease and desist letter. Stop collecting from us. Collection of discharged debts prohibited. Creditor is not permitted to collect a debtor. 
Colorado debt have a statute of limitation of 6 years. Once the statute of limitations passes the debt becomes time-barred. HELOC maturity is 10 years. XXXX  XXXX XXXX opened HELOC on XX/XX/XXXX and sold it to XXXX XXXX XXXX XX/XX/XXXX. When we filed Chapter XXXX XX/XX/XXXX HELOC was under XXXX  XXXX XXXX  XXXX  XXXX XXXX  {$180000.00}. Since Chapter XXXX it was discharged XXXX. By XXXX, we had a loan modification from XXXX  XXXX XXXX, there was only one loan no other lien. XXXX  XXXX XXXX sold it to XXXX XXXX XXXX on XX/XX/XXXX there was only one loan no other lien. When we tried to refinance with lower interest rate, SLS popped up. I believe SLS is SCAM.
Product: Debt collection

On XXXX I received a XXXX  bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. On the statement it stated that I have until XXXX XXXX to this dispute. 

I looked on my credit report on XX/XX/XXXX they reported on collections without giving me a chance to dispute this according to the XXXX XXXX 

This is violation of my consumer rights.
Product: Debt collection

I cancelled the service, but I was still billed. I also returned the phones via XXXX XXXX XXXX XXXX, Texas and they never credited the phones. Their services were misleading because I was told that my rate will stay fix, but it kept changing every month. I decided to cancel and switched to XXXX ( much better company by the way ), so they charged me {$1800.00}. I have complained to Attorney general Kansas and nothing was done. I am sure other people have experienced the same misinformation. I was mislead to believe that I had a veteran rate, but it took a longtime to issue that. I was also mislead family plan I signed up which they kept constantly changing.
Product: Debt collection

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

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( U.S.C. U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  with a balance of XXXX XXXX This account has resulted in several fraudulent hard inquiries on my consumer credit report. I have attached a screenshot of the consumer credit report maintained by you all, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you all were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I also attached a copy of the police report filed with the XXXX Police Department and a copy of my state issued IDENTIFICATION CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several hard inquiries on my tranunion report. I contacted them to have them removed but they haven't.. I have frauds alert on my credit report so no inquiries should have been made without contesting me first. 2 times cycle nation has pulled my report.. one tone for XXXX XXXX XXXX. And one XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX funds for my CD which matured were not received by the external bank account but the fund for my husband 's CD were received that day. We had purchased matching CDs on the same day for the same amount ( {$15000.00} ), maturing on the same day ( XX/XX/XXXX ). The XXXX CDs were both linked to the same external bank account. I called Citizens Access ( CA ) to report the problem. 
XX/XX/XXXX CA states funds for my CD were transferred & provided the trace number. I went to my external bank & they reported the trace number and funds were not received by my account. I call CA back with this information. 
XX/XX/XXXX CA manager instructs me to open an online savings account so they can deposit provisional funds ( {$15000.00} ) during their investigation. 
XX/XX/XXXX provisional funds received in my CA online savings account. 
XX/XX/XXXX CA manager instructs me on how to withdraw the provisional funds XX/XX/XXXX I received email from CA stating the savings account is closed & I confirmed there was now a {$0.00} balance in the provisional savings account. 
XX/XX/XXXX XXXX CA manager calls to inform me that CA investigation is complete with a conclusion the funds were deposited to my external bank account. I again provide external bank findings that the trace number and funds never received. 

At this time, it is clear that CA never looked into the fact that XXXX CD matured that day & funds from only XXXX CD was received. They never looked into the details of both transactions and came to their faulty conclusion based on an incomplete investigation. They continue to hold my funds with no commitment as to when the funds will be released. We are now back to where we started on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

HELP ME, I AM LOCKED OUT OF MY ACCT!! 
I have NOT been able to get online or on my phone ( XXXX ) XXXX for several weeks, It will NOT accept my ssn it says that it exists already? I have gone thru ALL of your screens 1000s of times. XXXX. My pin isXXXX my password used to be XXXX, and my user name was XXXX my latest password was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX We have NO need to communicate, just unlock my account I CAN NOT TALK ON THE PHONE. 
XXXX GIVE ME AN EMAIL TO SOMEONE IN CHARGE?!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.
Product: Credit reporting or other personal consumer reports

TD BANK/TARGET CREDIT is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX. TD BANK/TARGET CREDIT does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.