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

This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX  days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
See below account for proper implementation. 
XXXX XXXXXXXX XXXX Balance : {$110.00}
Product: Debt collection

On XX/XX/2019, I called American Express and asked to pay off my balance and close the card. I spoke with XXXX at American Express. She took my bank account information and processed the payment, which would bring me to a XXXX balance. The amount paid was {$2400.00}. She confirmed that my balance was now {$XXXX}. The confirmation number she provided was XXXX. 

On XX/XX/2019, my bank account showed that the payment had been processed. 

Months later, I get a phone call from American Express ( or it's credit collection company - I can't remember ... I have been bedbound in severe XXXX XXXX due to a previous and severe XXXX ). They claimed I owed them {$XXXX}. I told them that was impossible, that I had paid off that account and closed it on XX/XX/2019. They argued with me and would not accept my claim. 

They sent me paper statements showing that I owed them. Come to find out, American Express started charging me a Late Fee and Interest a few weeks AFTER I paid off my account in full. It appears that American Express FAILED to close my account as I had requested. Regardless, they should not have charged me late fees on a XXXX  balance. 

Those late fees and interest added up to {$270.00} when they - FINALLY - closed my account and sent me to collection. 

This action has ruined my credit. Because of my battle with severe pain and being on XXXX XXXX XXXX, my ability to focus and think clear were compromised. 

I finally was able to get some of my pain resolved through a medical procedure two weeks ago, so I reached out to XXXX XXXX , XXXX and told them - AGAIN - that I had paid off the account back on XX/XX/2019. I gave them the lady 's name and my confirmation number. I also uploaded a screenshot of my bank account entry showing the final payoff payment being processed on XX/XX/2019. 

It has been two weeks, now, and they STILL have not closed out the issue and agreed that I do not owe them anything. 

On top of that - like I said previously - they ruined my credit. My credit score is at an all-time low and I can not get any credit if I even wanted to. 

ACTION NEEDED 1. They need to close the issue and tell me in writing that they have removed the late fees and interest, that I no longer owe them any money. 
2. They need to report their mistake to all credit agencies, letting them know that the balance WAS paid of all the way back to XX/XX/2019. 

Honestly, they caused me so much emotional trauma - adding to my existing physical pain - because they robocalled me two times a day for about eight months!!! The stress I felt from having action taken against me where I had no power to fight for myself due to my severe condition was horrible. Shame on them. 

It wouldn't be a bad idea for them to issue a letter of apology AND pay me money for the pain and suffering of their own accord instead of me having to hire an attorney. 

I've never been treated so poorly and unmercilessly in my life by a credit company.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

I went into the branch. 
I was told by XXXX, the rep that I could not open an account at all. 
I had one previously. 
She printed the statement. 
It shows all kinds of fraud but yet Well Fargo never notified me at all. 
She had no explanation for me at all. 
I call their 800 number ; they didn't have any answers either.

How can I dispute anything when I'm not aware of them.

Bank never notified me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


This is an updated version of the FTC theft report, as I have found a new account that is fraudulent and was not opened by me. XXXX XXXX {$3700.00}.
Product: Debt collection

There is something coming from diversified adjustment saying I owe over XXXX dollars to XXXX. I have never had a XXXX  account. I contacted XXXX and they said I do not owe them anything. I don't know where this is coming from. I disputed this 3 times from my report and I got rejected. I don't have XXXX  account never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Balance {$570.00}
Product: Credit reporting

The account ( s ) listed herein are inaccurately reporting on my Consumer Credit Report. XXXX and XXXX. I request that the items be re-investigated and removed from my credit report.Please remove all items that the creditor who has reported them can not verify. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. I additionally request that Experian go beyond a cursory investigation into the reliability of the information that is reported by the alleged creditors and or collection agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX - XX/XX/year> XXXX
Product: Credit card or prepaid card

Your Complaint : Target company : Goldman Sachs Marcus Describe your issue : CASE NAME : [ Your Name ] v. Goldman Sachs FACTS : The plaintiff has been a customer of Goldman Sachs and its Apple Card service for the past two years. 
Over the course of the past two years, the plaintiff has identified excessive charges and false information on their bank statements and Apple Card reports. 
The plaintiff has spent four months trying to resolve the discrepancies with Goldman Sachs. 
Goldman Sachs has refunded a part of the plaintiff 's claim but has not provided a full settlement for all the damages incurred. 
The plaintiff seeks a settlement for all the damages that have been incurred as a result of the billing error, which includes the excessive charges and the missing money in the XXXX for 2021.

ISSUE : Whether Goldman Sachs is liable for the billing error that has resulted in excessive charges and false information on the plaintiff 's bank statements and Apple Card reports, and if so, what is the appropriate settlement amount for the damages incurred? 

RULE OF LAW : Under consumer protection laws, financial institutions have a duty to provide accurate and timely information to their customers, and they may be held liable for billing errors that result in damages to their customers. 

ANALYSIS : Goldman Sachs is responsible for providing accurate and timely information to its customers, including the plaintiff in this case. The excessive charges and false information on the plaintiff 's bank statements and Apple Card reports indicate a billing error that has resulted in damages to the plaintiff. The fact that Goldman Sachs has refunded a part of the plaintiff 's claim acknowledges their liability for the error. 

The appropriate settlement amount for the damages incurred will depend on the severity and length of time of the error, as well as any damages that the plaintiff may have incurred as a result. The plaintiff may seek a settlement that includes compensation for the excessive charges and missing money in the XXXX for 2021. 

CONCLUSION : The plaintiff has a strong case for a settlement with Goldman Sachs for the billing error that has resulted in excessive charges and false information on their bank statements and Apple Card reports. The appropriate settlement amount will depend on the specific circumstances of the error and any damages that the plaintiff has incurred as a result. A lawyer may help the plaintiff negotiate a fair and reasonable settlement amount with Goldman Sachs based on the strength of their case
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was in forbearance with UHEAA while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
UHEAA reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.
Product: Vehicle loan or lease

Pressured sales tactics with affiliated Car dealer with Credit acceptance, harassing phone calls had to change phone # .I requested proof of original documents of alleged signature signing and terms, I never received the documents or proof of car insurance or accurate proof of residence, no proof of proper interest rates and original documents that I requested in filing this complaint.I wasn't given an option not to receive harassing calls before this complaint, I was not given the option to switch vehicles when vehicle problems were addressed a day after purchase which lead to the vehicle breaking down in 2018, I demand History Removal from all three Credit Bureaus with inaccurate information unless there are proven alleged acts, I request a 1099-C for permanent removal of Credit acceptance from all credit Bureaus
Product: Checking or savings account

Dear maam/ sir Capital One closed my account for the risk account as they said. 
I got scammed {$39000.00} by XXXX XXXX, who was my friend, in XXXX with two checks for investment, The first check is {$20000.00} on XX/XX/XXXX. The second check is {$19000.00} on XX/XX/XXXX. But XXXX XXXX didnt invest the money for me, I reported it to a government agents, FBI XXXX police office, XXXXXXXX XXXX XXXX..all I could. Finally XXXX XXXX XXXX, in Florida. He helped me in my case and is connecting with the scammer, XXXX XXXX, she lives in XXXX. and I live in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX XXXX is helping me so hard to get my money back. XXXX XXXX finally wired me {$10000.00} XX/XX/XXXX from her XXXX bank to my Capital one. Then Capital one closed my account.. I checked with Capital One XX/XX/XXXX and let them know I am a victim of a scam case, XXXX XXXX is helping me to get money back and also tell them all the details they want to know.. 

Capital One still determined to close my account and said I am not allowed to open a new account in Capital one anymore.. 

I was What? and asked them the reasons and communicated with them with kindly tone.. They said my account is a risk account and didn't give me any reasons.. I am a victim not a criminal, why did the bank punish me and didnt even tell me the reason.. ( I know they have the right not to need to let the customers know the reason ) They will send me the information and all my balance with a check. it " may be '' not including {$10000.00}. They may/ might keep the {$10000.00} to do some inspection. ( I get this point.. ) But what I dont get is why they ban me from using Capital one? I didnt do anything wrong, I am a victim I am afraid it would affect my credit and my husbands, cause the account is under both of our names And the criminal, XXXX XXXX XXXX still is able to use her XXXX  accountThat is sooo not fair and not right. 

Please help!! Thank you so much!!
Product: Debt collection

In XX/XX/2019 both my spouse and I lost our jobs so I contacted PenFed Credit Union to inquire about what my options might be such as deferring payments to the end of the loan, reduced payments, anything of that nature that they might be willing to work with me on. I signed an extension agreement that to my understanding deferred 90 days ( or the next 3 payments ) until the end of the loan. We resumed our regular monthly payments in XXXX only to be blindsided by a letter from PenFed 's delinquent loan department stating that we were in arrears over {$1400.00} dollars. After pouring through bank statements and looking for copies of canceled checks I reached out to PenFed with copies of the Extension Agreement that I had signed, a listing of all the payments I had made on the loan and my belief that I was in fact current. Shortly thereafter I received another letter from the delinquency department stating that the Extension Agreement that I signed was placed on my file for future use as at the time I asked for assistance I was not eligible to receive any. To say that I was shocked was an understatement ; why would they have me sign the agreement and then not notify me in writing that the extension had been denied? The lender that I spoke with and emailed me the agreement never told me that I was in fact applying for future assistance ; it wouldn't have made any sense for me to do that I couldn't make the payments in XXXX. I have only recently started a new job and my spouse is out of work still, my fear is that repossession attempts are not far behind and I just honestly feel like I was completely mislead about the form I was signing ( it is clearly titled Extension Agreement ). PenFed basically told me to XXXX it up there was absolutely no repayment options given to me just pay the {$1400.00} now. They have also continued to contact my son who is in no way linked to this loan or to PenFed in any way, shape, or form despite his numerous attempts to explain to them that he is not an account holder of theirs. I'm not sure if they think he is lying and that it's really me on the other end of the line but the calls are repeated, during his working hours as an XXXX at a XXXX XXXX XXXX. I have given them my contact information numerous times so again I don't understand why they continue to call my son.
Product: Credit reporting or other personal consumer reports

Both Transunion and Equifax are including medical debt in my credit reports, which I did not consent to. The collection agency is listed as " XXXXXXXX XXXX XXXX  '' for the amount of {$530.00} dollars. I want this removed from my credit reports, as it has to do with private medical information and it is greatly hurting my credit score. It dropped over XXXX points since that derogatory mark has been placed there. The report of medical debt was banned on XXXX the XXXX of this year. This is absolutely unfair.
Product: Credit card

I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to successive disputes over the past 2 months requesting Transunion to update my credit report to reflect that an auto loan with XXXX XXXX XXXX XXXX be updated to show that account is settled and paid on full. On both disputes Transunion stated that their assessment of the account being open was correct. The account was closed on XXXX XXXXXXXX of 2021. Both XXXX and XXXX correctly reflect the account as settled and closed. I called the credit union [ ( XXXX ) XXXX ] to verify the account shows as closed and they have verified. Transunion refuses to contact the bank with my account information to verify after 2 months of submitting disputes to have my credit report updated. 

I have uploaded proof from XXXX XXXX XXXX XXXX showing the loan is paid in full.
Product: Credit reporting

I was contacted in XXXX, through XXXX, through an alert that there had been a judgment placed against me for a tax debt dating back from 2006. This was the first notification of any debt and I promptly paid the owed amount, plus interest and penalties, as my credit has been perfect and wanted to keep it that way. Consequently, I asked the Transunion Company to investigate, because they put it on my credit report as a negative-Judgement, but it was over ( 10 ) years old and this was reported incorrectly by the reporting agency and should n't have been allowed to even be placed on my report? There was no notification of the debt, prior to it appearing on my report, I lived in Alabama for ( 3 ) short months in 2006 and paid state taxes-taken out of my check, while I worked there. How they filed my taxes for me and came up with this " derived '' estimate, is beyond me, but I paid it willingly, because I had no records to contest this amount. I paid it as soon as I was notified, even though it was over ( 10 ) years and I was provided no information from Alabama Department of Revenue, when I asked for it? The original amount of the alleged debt was {$330.00}, I paid them {$560.00} to satisfy the debt, as once again I had no records after ( 10 ) years to contest this amount. 
Under the FCRA, the debt was paid in full and is over ( 10 ) years old ( 2006 ), so it should not be able to be continued to be reported on my report. It has been illegally reported and kept on my report, even after I disputed it.