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

I have notified Equifax Information Services LLC about XXXX accounts that is currently reporting inaccurately on my consumer credit file. Equifax took more then XXXX  days to investigate and i still haven't received any responses as to my dispute under the FCRA.
Product: Debt collection

My wife received a letter in the mail from " pioneer credit recovery '' stating that she owed {$3000.00} to the department of defense. 
In the letter they stated that they were contracted by the US department of treasury, bureau of fiscal service to collect this debt. 
They threatened that not paying this debt would result in our delinquency being reported to the national credit bureaus, and that any future tax refunds could be garnished as a result. 
I tried calling the number provided XXXX, and was met with a series of robotic voice-mails stating that there was a " company-wide meeting '' and to leave a message. I left a message. Looked up the company on XXXX and called the phone number listed there : XXXX. Another automated message told me to enter the reference number on the document, then I was connected to a woman named " XXXX ''. She transferred me to another automated series of message that were identical to the first number, and I was prompted to leave another voice message. 
I tried calling the number again to talk to " XXXX '' and I got a message saying the number was disconnected. 
Bingo! Scam! 
I looked closer at the " bill '' and though it looks somewhat professional : lots of info, debtor numbers, reference numbers, an option to state your change in address, really small QR codes ( too small to use XXXX changes in text format, a mailing barcode that eerily looks like its a .jpg. etc., etc.. 
The envelope was hand mailed from XXXX : personally stamped, but the logo states this company is in XXXX NY, and the payment address is in XXXX XXXX MO. 
I'll hold onto the " bill '' for now in case you want to see it. 
I did some more searching, and there's also a page on XXXX regarding a law firm that you can reach out to SPECIFICALLY for this PCR company. 
Both websites fairly professional. And there's multiple pages that state that this company is indeed hired by the IRS for debt collections. 
This scam is multiple layers deep. 
If you need the envelope or " bill '' sent to you, or just pictures, I can do that. 

I personally know a few people who have fallen for these scams. 

Please find these individuals, or at least shut their websites down. Have XXXX flag them or something. 
These scammers are getting very elaborate, and somehow they're finding pertinent info on their potential victims. 
The reason why this was even slightly believable was because my wife 's ex husband was in the XXXX ; perhaps this was an unpaid doctor 's bill or something? 
I knew it was a scam, because we did a credit check last year when I tried getting her on my CC account, and we're aware of which items that went into collections, and actively fixed them. 
There's another scam they tried pulling on her last month regarding her cars warranty ; they tried the same with me. They know what cars we drive ; they're sending personalized warranty cards for your vehicle now that make it seem believable. 

Thank you for your efforts on this.
Product: Debt collection

I RECEIVED AN ALERT THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.
Product: Credit card

Upon checking my XXXX Comenity Bank account on XX/XX/XXXX, after notified by a text from XXXX on XX/XX/XXXX and XX/XX/XXXX, I saw a list of late fees and minimum charges on my bank account, totaling up to {$84.00}. This charge should not be here in the first place since I have always make my payments on time ( please check all the statements from before as well as all my credit score if you can get it ). I have scheduled my payment for statement of XX/XX/XXXX ahead of time and selected pay on the due date, which is XX/XX/XXXX. However, the system only posted the payment on XX/XX/XXXX. I would not know this payment was late and only posted in XX/XX/XXXX until Comenity Bank contacted me via text on the XX/XX/XXXX and XX/XX/XXXX. ( I do not touch this account unless I know I have made purchase with it ) I have contacted collection department of Comenity Bank and escalated the issue to upper management, spoke with XXXX and she could removed part of the fee but not all the unjustified charges off my account. 
It is obvious how credit card company 's only way to make their profit is by incurring high dollar charges under various reasons. In this case, the online banking system used by Comenity Bank is at fault, in which it wrongfully posted the payments 2 DAYS later and incurred unnecessary charges.
Product: Bank account or service

BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD
Product: Credit reporting or other personal consumer reports

Equifax is reporting an outdated bankruptcy on my credit report that no longer reflects my current financial status. This bankruptcy has already exceeded its reporting period and should have been removed. I asked Equifax to remove this bankruptcy and to no avail have this been removed from my credit profile.

This erroneous reporting is hindering me from purchasing a home for my family. Please ask Equifax to correct this information to ensure my credit report accurately reflects my financial history.

Respectfully yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a displayed an unfortunate, unmonitored history of gross neglect and blatant serious FCRA violations as it relates to my credit report. 

The violations have taken a personal toll on me, my family and my financial life because they will not follow the law or respect my rights. I have made every effort to remedy these matters with them, but they will not legally and properly investigate my disputes. 

Transunion states that they will investigate my disputes for accuracy. They are not investigating my disputes. Transunion is stamping my disputes as verified and accurate without conducting any research to determine the accuracy of the reporting they have. My disputes are based on information taken from the reports that Transunion furnishes. 

I have repeatedly submitted factual disputes for the items listed below. And yet, Transunion continues to violate my rights. They have consistently refused to investigate inaccurate reporting that they see on my account. Transunion has consistently returned my disputes as verified and accurate even though their reporting shows the items as inaccurate. 

1. XXXXXXXX XXXX Partial Acct # XXXX I requested another investigation on this account because it inaccurately reports a charge off status with an unknown payment history. You can not have a charge off on an account without a payment history. If Transunion had properly investigated my dispute, they would have identified the inaccuracy. This reporting should not have been verified as accurate. The returned dispute investigation from Transunion noted verified as accurate three times!!! ( This is taken directly from the dispute results notification sent to me, which is attached ). Transunion, in this notification, states that the report was updated : not specified, but the report was last updated XX/XX/XXXX XXXX, not XX/XX/XXXX!! If the report was updated in XX/XX/XXXX, why does it show the actual update on XX/XX/XXXX?? This is a violation. The account should have been deleted for inaccuracy. 

2. XXXX XXXX Partial Acct # XXXX I disputed and re-disputed this account for inaccuracy. Transunion 's investigation results for XX/XX/XXXX state that this account has been verified as accurate. It also states that it has been updated but does not specify what was updated. It is worth noting that the last update was not on XX/XX/XXXX. It was on XX/XX/XXXX! Transunion reports two charge offs for this one account. Furthermore, it excludes any other relevant payment history. This is inaccurate. Transunion reports a closed account date of XX/XX/XXXX and then, a charge off on XX/XX/XXXX!! How can there be activity on a closed account? How can there be two charge offs on one account with no other payment history? This can not make sense. It is clear that Transunion is not performing its legal role in properly investigating my disputes for accuracy. Therefore, they are consistently violating my rights. This account should have been removed for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance w FCRA : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed 15 Section U.S.C 1681 Section 604 A section 4 states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed.
Product: Student loan

I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per reference XXXX In regards of my account on XX/XX/2023. Trans Union has not removed all Inquires to show accurateness. I have evidence XXXX XXXX XXXX XXXX is still showing under my account.

Congress says the transaction or experience is not included on my consumer report.

Also Congress gave me that right to my Privacy. There is not a law that says corporations has to report my history.

15USC1681b ( a4 ) States nothing should be placed on my consumer report without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on the equifax report that I never incurred. I have asked for an investigation to be initiated which was done and I was given a reference number to that fact. I never received the results of the investigation. Furthermore Eqifax states they can not verify me. If that was the case then how would they give me a reference # XXXX   and let me know the investigation is in process The information that I requested to be removed since it is not mine is as follows : 1 ) XXXX   opened XX/XX/2015- XXXX XXXX XXXX.

2 ) XXXX   Opened XX/XX/2013-XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) The Dowler Law Firm XXXX XXXX XXXX, XXXX XXXX, AR XXXX ( XXXX ) XXXX Supposedly Representing the Board Of Trustees for the University of XXXX d/b/a University of XXXX for Medical Sciences. 

I paid the bill for {$130.00} on XX/XX/2019. I called the University of XXXX and told them the bill had been paid. The University said there would be no court date since the bill was paid. The XXXX proceeded with a judgement against me and illegally put a garnishment on my paycheck although I had paid the bill months before. The garnishment was placed on my paycheck indicating that I had been on strike with the XXXX XXXX School District and I did not strike. The withdrawal was held up until that paycheck was disbursed. Deducting amounts from my paycheck and illegally making it look like I did not pay the bill. I paid the bill and he sued for his fees. XXXX XXXX XXXX did not give me time to pay him his attorney 's fees and he carried out an illegal process with the help of the District Court of XXXX, Arkansas. The withdraw from my check, public humiliation to me with my employer garnishment was not needed when I had already paid the bill. He meaning XXXX XXXX XXXX carried out a defemation of character with my employer about me. Harrassment comes in different forms ad unfortunately this was one form. The law firm needs to be in trouble and the process of University of XXXX Medical Sciences. This was deliberate in nature to lower my credit score. Personal Vendeta.
Product: Credit reporting or other personal consumer reports

THESE ARE GIVING ME STRESS, THESE ARE ALL INACCURARTE AND MUST BE UPDATED, PLEASE HELP ME WITH THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the information from my credit reports
Product: Prepaid card

I called Cash App on XX/XX/year>, between XXXX XXXX  and XXXX XXXX  PST. I spoke to 5 different agents. All 5 agents willfully and deliberately disconnected the call on me. They interrupted when I asked not to and all refused to transfer to a supervisor upon request. I have the phone calls recorded as evidence. Please note, I never used profanity or made any threats. The first agent was a female, the second was XXXX, third was XXXX, fourth was XXXX and last was XXXX. They may be in the XXXX XXXX  call center. This is unprofessional and inappropriate. Please be advised, this is my second XXXX  complaint regarding the same issue, however, the bad customer service continues. I seek to hold Cash App accountable.
Product: Credit card

After several months of waiting for Credit Karma to contact me, I was able to reopen disputed transactions on XX/XX/year> totalling {$3600.00} of fraudulent transactions that were never reimbursed. 

I can not get the status of this dispute by calling or via virtual chat. The Dispute IDs are XXXX and XXXX. The were made on XX/XX/scrub>XXXX XXXX They total over {$3600.00} for all transactions combined.
Product: Mortgage

Re : XX/XX/2021 Mortgage Payment, double payment, late fee, poor customer service We submitted our XXXX mortgage payment on time on XX/XX/2021 for {$1700.00}. On XX/XX/XXXX, XXXX then withdrew an additional payment of {$1700.00}, which we did NOT authorize. This caused our bank account to have insufficient funds for our other transactions that month, which resulted in other denied payments ( and a lot of frustration on our end ). We have attempted to contact XXXX multiple times, but it is almost impossible to speak to a customer service representative. The wait time for calls are an hour or more, and when I did speak with someone the calls were dropped and the agent did not call me back. We also submitted online requests for help, which only resulted in an automated response to call customer service. As we were unable to speak to anyone to resolve this issue, we filed a dispute with our bank. Our bank credited our account for one of the payments, and I assume due to the bank contacting XXXX, they ( XXXX XXXX then sent us a check for the additional payment they withdrew. However, now XXXX 's automated system now says the XX/XX/XXXX payment was NOT received, and charged a late fee of {$65.00} and NSF fee of {$40.00} when we paid our XX/XX/XXXX mortgage yesterday. We have been unable to get in touch with a live person on the customer care number. I submitted my cell # for a call back instead of waiting on hold, but have not heard from anyone for over 72 hours. While waiting on hold, we also get a sudden error message and the calls are disconnected during the wait time. 


Attempts to contact XXXX : XX/XX/XXXX - called XXXX, and submitted online contact form XX/XX/XXXX, received an email telling us to call customer service XX/XX/XXXX - called XXXX, unable to get a live person ... our call was disconnected during our " on hold '' time after about 40 minutes XX/XX/XXXX - called XXXX, unable to get a live person and our call was disconnected AGAIN during the wait time. 
XX/XX/XXXX - called XXXX and waited on hold, but then the call was disconnected before speaking to anyone. 
XX/XX/XXXX - submitted the issue on XXXX 's online contact form and requested a call back with my contact information. No call back. 
XX/XX/XXXX - received automated email from XXXX telling us to call Customer Service. XX/XX/XXXX - called XXXX again, same issue, could not get through to a live person. disconnected again. 
XX/XX/XXXX - submitted another online form requesting that someone call me back. No one called. 
XX/XX/XXXX -called XXXX, FINALLY got to speak a customer service representative after waiting over an hour on hold. However, within 2 minutes of speaking to her, the call was disconnected. No one called me back! 
XX/XX/XXXX - paid the mortgage for XXXX, and there are fees from XXXX listed. Late fee and an NFS fee listed. The system still says they didn't receive the XXXX payment ( after charging us twice ). This is really unacceptable.
Product: Credit card or prepaid card

I have a us bank reliacard which I used for a month and a half until about XX/XX/XXXX I tried to use it was declined. I call cust serv they say it's locked and I must send docs for verification which they received on XX/XX/XXXX. As I've called everyday waiting hours on hold for them to tell me nothing they know nothing and haven't even looked at my documents. Now XX/XX/XXXX I call and they say the pic id I faxed and also uploaded to the site they couldn't read it!!!!! Really the Id I took photo of with my 64 meg pix camera phone XXXX!!! This so called bank had been giving me the run-around for weeks while I'm left broke and no way to access my money. They are a disgusting and pathetic excuse for a bank. I've never been treated so poorly in my life!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On the XXXX of XX/XX/2021, I had made a reservation at the XXXX XXXX XXXX XXXX I'm presenting Center in XXXX XXXX. Around the message happening to sleep I hope you had a minute a third day care for {$810.00} on the day I need the reservation everything was okay well I'm probably going to do my transaction I noticed that there were holes on transvestites that were unfamiliar but the market so I contact them manager the hotel we go over the transaction and that the measure of the hotel XXXX XXXX and had something with 99 and 99 infected her to send him an email on company letterhead with the amount of the transactions and the date of the transaction so and she put that she would like to request okay. You want to make sure you do that she was instructed by money mine. And it takes the offer edition hold off of the {$810.00} can you transaction from XXXX XXXX XXXX XXXX by XXXX. So when I noticed that my account was overdrawn by XXXX XXXX I contacted money line to see what the issue was. Upon talking to her presentative they tried to say that because friends were spent in a day we're not liable and that it's my fault and I need you. So I went ahead and look at my friends ask me I said I see what it where the air is. I expected that what happens where the XXXX can you transaction for the 5-day stay at the XXXX XXXX XXXX XXXX by XXXX was released prematurely for me and so that they released the wrong hold on the wrong friends actually and so on the representative who I spoke to primarily regarding situation tried to say that it was a legitimate charge and things like that. And I agree with him it wasn't legitimate charge. I went ahead and done with another representative who actually listen and was able to see what direction I was coming from so what that means that it has been 6 days my account is still negative {$640.00} and I have income coming in at all times so I don't want my phone so I'm hoping that someone at XXXX you can go ahead and investigate this promptly and then we can come to a quick resolution.
Product: Credit card

Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.