23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I was made aware that Collection Mangement Company ( CMC ) was contacting non-associated addresses and phone numbers. XXXX XXXX stated that the number CMC had dialed was XXXX '. I called this number afterwards and did speak with someone with my name, but it was not me and my privacy was violated as a result. 

Secondly, the letter I received on XX/XX/2023 was sent to a relatives address that I have never resided at. 

Upon consultation, I believe that this violates the FCRA guidelines around credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 and XX/XX/2021, XXXX XXXX said I missed two payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed four of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.
Product: Mortgage

The homeowners insurance amount from XXXX is {$1800.00} annually. On the escrow review form the mortgage company Mr Cooper lists it as {$2800.00}. I tried to explain to them and they simply insisted the amount is correct. I confirmed with XXXX it is {$1800.00} and sent documentation to Mr Cooper and have gotten no response. It is impossible to get them to simply look into the matter and provide a accurate statement before I make payment
Product: Vehicle loan or lease

Ive been paying my truck for over 4 yrs now {$420.00} plus the {$5.00} payment charge it it seems like every time instead of owing less I owe more every time I call for balance it seem that after I make payment I cant get the balance To go down. Now in my calculations I would of made my last payment in XXXX of XXXX in the amount of {$420.00} even {$500.00} was my estimate and I call and the company Time Finance ( XXXX ) XXXX tell me I owe over $ XXXX .I dont get were all my money is going they said I dont owe any interest my account open date was XX/XX/XXXX it was supposed to be payed of in 4yrs last time the company sent me balance was XX/XX/XXXX I owed {$3600.00} and still till today am not done paying I spoke to them about this I told them last Wk to send me balance I. Writing so I can compare and it been a week a nothing I want to to a final payoff so I wont owe them any more and that way am done with them over charging me every month but they tell me even if if I finish paying in full it doesnt make a difference I still owe the same over {$800.00}, please help me resolve this issue with the pandemic I made arrangements to do less payment 1month because I was with out a job but that didnt show up I My account! Help!! Company name Time Finance my name XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My American Express account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to XXXX law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..
Product: Debt collection

on XX/XX/2024 I received mails and an email concerning {$700.00} debt so I decided to pay some, so far I have made about three payments of {$100.00} to the debt collector
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXX.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that i was a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL 3 CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Product: Credit card or prepaid card

Chase offer {$10.00} credit for eligible credit card for purchases made through XXXX app. Eligible purchases were made in XXXX and XXXX credited properly. However, purchases made in the app on XXXX and XX/XX/21 show up as " XXXX ''. Phone calls were made to XXXX and Chase and both refuse to correct the technical issue. Chase refused to accept proof ( receipts ) that purchases were made in app and gave a boilerplate response that purchases made on other websites are not eligible. These purchases were not made on other website.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms XXXX Month Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a paym
ent on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I feel like I am at a disadvantage against Ad Astra. I have explained my self in debth and requested they stop their aggressive and annoying methods of contacting me and yet they refuse to hear me out. This account should be deleted from my credit report. they are making me reach un realistic means to proof myself to them while i sit back and allow them to pretend that they are a legitimate business and that they care about the oidenty theft i endured. I have asked them to remove this account from my credit report, not so much because of their obviously ILLEGAL tactics of trying to obtain a debt from me, but because etches was not a loan that I EVER requested nor are there any items of proof or any evidence or ANY investigation for that matter. I am very offended and afraid of this company. They had been calling and calling my cell phone and home phone at all hours of the day and when I bought my concerns here to this portal they denied EVERYTHINg and claimed that it never happened and then they proceeded to pretend like they cared about me and the fraud that wa done to me and that they sent me numerous pamphlets and paperwork to followup and go to the police station and have NOTORIZED! Who are these people! I have to bend over backwards to prove myself? I ams so offended by these people, I am so afraid of these people. I have asked them in the past to leave me alone and they have not. Then they tried to act like they were good people when I brought my fears here to your CFPB portal. I think that they are fake and liars. I have read MANY traumatizing stories about this company and someone had blogged about coming to this portal and filing complaints and stopping the,. But they continue to send me voice messages. They even spoke to my mother and discussed the " debt that I was Scheuled to pay ''. I have NEVER schedule any payments with them. I am certain that this was not lawful. Most importantly, who is going to investigate their usage of robotic voice calling? I have relied those annoying calls. I WIL Not submit to these people. they expect me to go to hell and back to prove myself yet they can not follow the law themselves and prove anything back to me! All they have hurtfully done is repeatedly defended their " clients '' who ever that may be against me and I feel ABSOLUTELY HELPLESS AND HURT! What are my options? I will not deal with them anymore. They are deceitful and XXXX!
Product: Debt collection

I owed a personal loan. My income was greatly reduced, and I was unable to make payments. 
Approx : XXXX XXXX I called One Main, and asked if they would be willing to make a settlement offer. They agreed to take a lesser amount. 
Approx : XXXX XXXX I received a letter stating the amount and date of payment. 
XXXX XXXX money was available to withdraw from account. 
XXXX XXXX the amount was deducted from my checking account., XX/XX/XXXX I filed a dispute with XXXX that the settlement was paid and not corrected on my reports. 
XXXX XXXX results were given to me on XXXX. I have also filed with XXXX and XXXX, but no results as of yet. 
Approx : XXXX I filed another dispute with credit bureaus and One Main has not resolved this issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I review my credit report and noticed that i had a lates payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account Name : XXXX XXXX Account Number : XXXX Dates reporting NOT accurate : XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Dates reporting NOT accurate : XXXX, XXXX, XXXX, XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are not accurate. 

Thank you for your help.
Product: Bank account or service

I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history.
Product: Credit card or prepaid card

I made a payment with a cashiers check that cleared through the bank on XX/XX/24 for XXXX. As of today, Citi has not credited my account. I called in a missing payment dispute on XXXX and received a response on XXXX that a {$47.00} payment had been credited- evidentially the call center person I spoke with entered the wrong amount somehow. I called back and had to start a new dispute, and the individual told me it would be 45-60 days to resolve.
Product: Credit reporting or other personal consumer reports

I want to file a dispute due to unauthorized inquiries attached on my credit report.
Product: Credit card or prepaid card

Fraudulent Charge Details : XX/XX/2021 - XXXX - XXXX XXXX XXXX / Reference # XXXX / Posted on XX/XX/2021 for an amount of {$59.00}. 
There was a fraudulent charge posted to my XXXX  XXXX 's Visa credit card account which is managed by Bank Of America. After I had noticed the charge on my online statement, I had notified the bank of such. 
I have had this fraudulent charge opened and " investigated '' now seven times without proper resolution as each time it has been denied without any explanation or detail as to why.

I have requested from the bank for information and documentation about the charge, the order, and the merchant seven times without it never once being provided. 
The bank representative on the phone was never able to tell me any details of the merchant, I never receive a phone call from a supervisor about the merchant, and I have never received any detailed paper documents of the merchant or the charge/order. Each time, the representative says that they have submitted for the documentation to be mailed to me or a supervisor to call me, but no response ever comes. The bank once claimed to have a package with a USPS tracking number, but has not provided the number nor what the order or the contents were supposed to be. 
To be clear, as I had told the bank, I did not place nor authorize any such order and I have not a clue what it is supposed to entail. I have not received any such kind of package/order and have no documents of such. I do not even have a XXXX account nor do I do any business with them on any sort of regular basis and I certainly do not know who or what XXXX XXXX is. I truly do believe this charge to be some sort of scam and I am completely frustrated with the bank for not giving the claim its due diligence or proper communication to me. 
As such, I have no information or details of the charge, order, or merchant other than what has been posted to my account which has been provided above this writing. 
This charge has been in on-going dispute since around that time and the most recent denial letter was posted to me on XX/XX/2021, received on XX/XX/2021. As I am not able to have any effective communication or resolution with the bank, I am reaching out to you, the CFPB, for help and I thank you in advance for any and all help you can provide.
Product: Student loan

I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of federal law reporting accounts that do not belong to me and that were opened fraudulently I have filed a police report sent in the copies of that report and a identity theft report copy company is to violation accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  /XXXX  XXXX, XXXX XXXX XXXX XXXX these accounts are fraud and I will be taking legal action against this company for violating my rights
Product: Debt collection

US Bank issued XXXX separate refund checks in the amount of {$53.00} in XXXX and XX/XX/XXXX. 

XXXX  check # XXXX dated XX/XX/XXXX in amount of {$53.00} was never received. Then US Bank issued a XXXX {$53.00} refund check # XXXX on XX/XX/XXXX. I received this XXXX  refund and cashed the check. 

But I never got the XXXX  refund they issued XX/XX/XXXX. US Bank mistakenly issued XXXX refunds for {$53.00} but I only received the second refund check. Then XXXX months later in XX/XX/XXXX, US Bank charged me {$53.00} for their errors. I do not owe them {$53.00} for XXXX refund issued in XXXX. But they are sending me past due notices and charging late fees for this mistakes.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX XXXX XXXX, OK XXXX ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX  XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX .
Product: Credit reporting

In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.