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

Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try 16 times. I spoke to a fraud representative at discover, America express and XXXX XXXX XXXX bank card and they are looking into the situation and also put an alert on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows no score or any debts anymore. Ive tried to reach out to the credit karma and XXXX, but to no avail. Everything just disappeared.
Product: Credit reporting or other personal consumer reports

Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX  indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I sent numerous letters indicating on verified and unauthorized accounts on my credit report. Ive been contacted once by mail telling me to call I called and no action was made. These accounts are on Trans Union Equifax and Experian. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ATTN : XXXX XXXX OH XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX  ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX  ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX
Product: Credit card

I have been charged multiple late fees, despite the card being " XXXX '' and having both cards on this account on auto-pay. I was charged a late fee of {$25.00} on XXXX plus interest of {$7.00}. I was then charged another late fee of {$40.00} on XXXX with interest of {$8.00}. My current balance with these charges is {$350.00}. The late charges exceed my minimum payment due, My balance would be roughly XXXX XXXX lower without these fees. I contacted Capital One on XXXX, as I have a payment due tomorrow and was told they don't/wo n't waive fees. I was attempting to make my payment, but they wanted a minimum payment of {$110.00}, rather than the normal {$25.00}. If I don't make the payment, they will then tack on additional charges. I attempted in good faith to both make the payment for what I actually owe, as well as resolve the issue stated. The company was completely uncooperative.
Product: Mortgage

Flagstar Bank puts through request for payments XXXX  days after the request is input online. When XXXX bank then receives the they deny the payment due to lack of funds even though the funds are in the account. The funds are in XXXX  my XXXX  and XXXX  with their feature that allows me to pull funds from my savings into my checking when I am lacking funds. None the less XXXX refuses the payment even with the funds being available and in my account. The issue lies in the fact that Flagstar Bank will not accept ANY payment method other than ones that are literally impossible for anyone in the younger generation. They are requiring me to go to my bank and get cashiers checks/money orders to send them funds and are refusing to accept wire transfers etc. The issue with this is that many modern banks no longer have locations. So essentially they are forcing me to default on my loan because they are refusing to accept payment. I have the funds and the ability to pay, I even changed banks to ensure that this did not continue happening, and they are refusing to accept any payment method available to me. Now I have to take time off work and either spend my entire day finding a bank that will give a cashiers check to someone who is not a customer, or drive to a different state and pay XXXX XXXX of my payment for a wire transfer to the Flagstar from the XXXX and only bank that they do accept wire transfers from. All in all, this is a scam and they are financially abusing their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has tried to open a dispute for misinformation reported by Transunion. They have tied the wrong name to her account, thus there is added lines of credit that shouldn't belong. This information is not being reported by any other credit agency. 

Every time we call we get the run around and sent to a different Department. When she calls to follow up, she is told that nothing happened and that she needs to go somewhere else. 

All Transunion needs to do is look at the information from Equifax and Experian to realize that their system is wrong. 

She faxed in information and was again told today that they didn't have anything and she need to, yet again, send her information somewhere else.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and inconsistent reporting of the following XXXX XXXX XXXX accounts on my credit report : * Account # XXXX : Reported as " Derogatory '' with inconsistent last payment dates and status updates across different credit bureaus. 
* Account # XXXX : Displays similar reporting discrepancies, and my previous consumer dispute remains unresolved. 

I believe that XXXX 's reporting and collection practices may violate several federal statutes, including 15 U.S. Code 1681i, 1681s-2, 1692g, and 1681n.

I respectfully request that you : 1. Conduct a full investigation into the inconsistent reporting of these accounts. 

2. Require XXXX to validate the debts with proper documentation, including original agreements and payment histories. 

3. Remove the accounts from my credit report if XXXX can not provide accurate and verifiable records. 

4. Ensure XXXX complies with all relevant federal laws regarding fair credit reporting and debt collection. 

I kindly request a written response detailing your findings and any actions taken to resolve these discrepancies. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I had some extra money and wanted to pay the balance off on 1 of my credit cards. I made a {$560.00} payment and scheduled it for the following week. I then decided I wanted to split the payment and put half on my other card so I tried to cancel the payment online and it wouldn't let me. I called on XX/XX/XXXX ( item # 1 ) and spoke to a Capital One rep and told her the details and she told me she has canceled the payment and that I can go ahead and make payments to both of my accounts. On XX/XX/XXXX my bank account had a return from insufficient funds and a fee. I look on Capital One account and the payment that the customer rep told me she cancelled actually wasn't cancelled tried to go through so Capital One account gets a returned Online ACH Payment ( item # 2 ). Because of this, both of my Capital One accounts were closed. I understand that they can close any account at any time for no reason but the decision was based on a Capital One error. So I start calling the regular customer service number and I would get a manager and they kept telling me they would look into it and get back to me. For months this was the same story, sometimes I would deal with the fraud department. Always ended up with no call back to me. On XX/XX/XXXX I tried the Capital One XXXX account and the first attempt was the same outcome, They always say they will pull the call and listen to it and get back to me, but never happens. On XX/XX/XXXX I try again with XXXX ( item # 3 ) and XXXX or XXXX help me and said she looked into the case and listened to the call and agreed that the Capital One rep told me she canceled the payment. She then told me she should be able to get my accounts reopened. But she never got back to me me after that so I again sent messages on XXXX and that eventually led to another dead end. I then sent a fax ( item # 4 ) and got someone from the executive office to look into the case XXXX XXXX XXXX. She listened to the call and did some investigating and finally got back to me and told me they can't reopen the accounts because they have been closed for too long but they will start two new accounts and transfer my balances over. Then a few days go by and I get a call and XXXX tells me that the underwriters won't approve my 2 accounts because my credit score dropped way down and that I have no ability to pay.
Product: Credit reporting or other personal consumer reports

I did not authorize this company to add my information to the credit bureaus.
Product: Debt collection

XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!
Product: Debt collection

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the information on the credit bureaus are mine. I have been complaining about this for years. My transunion,  XXXX , and   XXXX   are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Product: Debt collection

I have paid this debt directly to the hospital. I never had an agreement/contract with CMRE, yet they are reporting my minor son 's bill on my credit report. Attached is the receipt of me paying the hospital. I do not have an account with CMRE, nor have I ever had an account with them.
Product: Debt collection

On XX/XX/2020 I received a call from XXXX attempted to verify location information to send debt documentation. I advised the caller that I was the person in question that they were trying to locate. The caller then caller launched into debt collection disclosure and then asked me to confirm my mailing address. I confirmed the address and then asked what company the caller worked for and was ignored. The caller continued speaking and said that they could handle the debt matter now over the phone if I would provide my social security number for them to confirm and I refused repeating that I wanted to know what company they worked for, which again was ignored. I then told the caller that they could send the documentation as I confirmed the address and then I clearly stated to not call my number again and that all matters regarding this debt were to be handled through the mail. The caller did not confirm my request and disconnected the call. Yesterday ( XX/XX/2020 ) the same number called again. The call went the same as before : Asked to confirm location information so that a notice could be mailed out, I confirmed that I was whom they were looking for, offer to handle issue over phone, refused again and asked for company name which was again ignored as was my request to only be contacted through the mail by this company. I personally called the number from a blocked line and reached an answering machine for Everest Receivable Services Inc and advised a XXXX that I wanted my personal number removed and that all matters regarding ant debt under my name be handled through the mail. She stated that they had no file attached to my personal number and that the request could not be completed.
Product: Debt collection

I talked to someone with Sallie Mae and it was agreed that I would pay {$3900.00} on a student loan and then be released from the balance. I was a co-signer. The payments would be XXXX in XXXX, and payments of XXXX for the following 5 months. When I called in to make the payment first payment, the employee too the full amount ( XXXX ) all at once from my account instead of the agreed amount. When I tried to call them, they refused to let me speak with the person that did this, they didn't apologize, or anything. I have a written letter showing the agreed upon payments, and for him to do this is wrong. I want this person reprimanded at the least, but would prefer to see him fired so he can't lie to other people. His name is XXXX XXXX Employee XXXX    XXXX extension XXXX for number XXXX in Delaware. This department went out of their way to make excuses and not help me with this situation.
Product: Credit reporting or other personal consumer reports

I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as my response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint. After reviewing your response, I find that your company has failed to comply with applicable state and federal regulations concerning consumer rights and credit reporting. By not adhering to these legal standards, you have chosen to infringe upon my rights as a consumer, resulting in harm to my credit profile creditworthiness and financial standing.

Due to your failure to uphold these regulatory obligations, I am left with no alternative but to initiate a formal complaint in my local district court. This action will address your non-compliance and seek appropriate remedies for the damages incurred as a result of your actions. You will find a copy attached to this compliant.

I trust that, moving forward, you will take this matter seriously and review your procedures to ensure compliance with all applicable regulations to prevent further infringement on consumer rights. Should you wish to resolve this matter amicably prior to court proceedings, I am open to discussing a resolution that respects my legal rights and mitigates any further harm.

Please direct any additional communication to me in writing at the address listed above.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with a verified status. Please repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I'm disputing some inaccuracies on my Experian report that I believe are incorrect. These accounts do not reflect accurate information, so I'm hoping they can be reviewed and corrected. Here are the accounts and inquiries that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Im a XXXX XXXX  who is unemployed and not able to pay the credit card debt. I will like if you can please leave me alone and stop contacting me until I can find some work, thank you