23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my acct to XXXX XXXX in XXXX. However XXXX XXXX is reporting OK payment history in XXXX. I have disputed this tons of times and it keeps coming back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX
Product: Checking or savings account

This is the second complaint I have filed. This is to go along with the other complaint. It has been since XX/XX/XXXX that I filed this and I still ha e not heard anything. This is {$1900.00}. My life has been upside down since XXXX! I do not have a car to drive and now I can not put an engine in my vehicle because Credit Karma Money has not done anything to refund my money.
Product: Credit card or prepaid card

This complaint involves my XXXX XXXX credit card with Marcus by Goldman Sachs. ( XXXX  ) My credit score typically varies between XXXX and XXXX. That means that I take paying my bills on time very seriously. 

My bank is XXXX XXXX XXXX XXXX, and it contracts with XXXX to service its members online bill payments. 

All of my payments to XXXX, when {$470.00} or less, per my online bankings website, shows that theyve been made electronically. I confirmed this with XXXX, i.e., all but one payment have been made via electronic check. The one payment that was made via actual check was a payment in the amount of {$780.00}. Per XXXX, because this amount was over some unknown limit allowed by XXXX, they had to mail a physical check to XXXX. XXXX notates for customers on their online banking page with an icon next to the payment, showing whether payment was made via check ( paper, via mail ), or electronically. 

Its worth nothing that this limit amount only applies to XXXX. Another of my credit cards, a XXXX XXXX XXXX, has received payments from me as high as {$7700.00}, and they show that they were paid electronically. 

The {$780.00} payment to XXXX was due on XXXX XXXX, XXXX ( I actually only owed {$770.00}, but elected to slightly over-pay ), so when I set up the payment through my online banking with XXXX, I chose a payment date of XXXX XXXX in case it took longer than 2 days for XXXX to process the payment. However, because I didnt know XXXX was going to require a physical check ( since I dont know the mystery limit amount ), it took much longer than expected for the check to be processed. XXXX says they mailed the check out on XXXX XXXX. However, XXXX didnt actually credit my account for the {$780.00} until XXXX XXXX. This meant that the payment was late and I was charged a late fee and had to pay interest on the balance. They were kind enough to reverse the late fee when I called, but only after I asked to speak to a supervisor. However, the even bigger issue to me that a payment has now been made late can not be changed. 

Wanting to make sure this never happens again, I need to find out what dollar amount is the limit upon which XXXX requires the payment be made via check, and I have never been able to get an answer. I have asked to speak to supervisor after supervisor, and no one can answer this question. In fact, today ( XXXX XXXX ), after waiting a week for a callback, I spoke with supervisor XXXX, and I was told that XXXX accepts NO electronic payments and that ALL payments are made via actual checks through the mail. That was it for me. I informed XXXX that I was going to file this complaint with CFPB, and I hoped that he was comfortable with what he had told me, and he assured me that he was.
Product: Checking or savings account

Chase Bank has declared my checking account dormant. There has been no communication from the bank ( mail, electronic communication, or phone call ), notifying me of the impending dormancy designation. If I hadn't recently been checking my credit card statement and noticed my checking account did not appear under my accounts section, I would have never been the wiser. I called the customer service line, who informed me of the dormancy status, but could not find any communication from Chase in their system for the dormancy notification. Now I have to go to a physical location to get the situation rectified as there is no easy way to activate the account online. 

Chase Bank has a responsibility to notify those that bank with them of issues like this that may arise and their total lack of effort on such a serious matter ( my funds, thousands of dollars, could be handed over to the State if the dormancy status lasted long enough ) and I would have been none the wiser ).
Product: Debt collection

H & R accounts have my medical balances in their office. I have been making payments to them for months. I pay {$50.00} bi-weekly to them with the understanding to keep the accounts off of my credit report as long as I may the biweekly payments. The payments are set up to automatically come out of my account. They auto-debit the payment. 
Last week XX/XX/XXXX, a balance of {$1300.00} showed up in collections on my credit report. I called H & R Accounts and spoke with XXXX. That conversation didn't go over very well. I spoke with his supervisor about it. His supervisor advised me that he included this account in the payment plan. He gave me an email address XXXX to request forgiveness to remove the collection account off of my credit report. I sent the email to them on XX/XX/XXXX at XXXX to do a goodwill removal. This communication is a back up as they should have never placed the account in collections on my credit report as they are receiving a payment bi-weekly with the agreement to have the accounts not hit my credit report. They have a bad practice and this should not happen. They also had a wrong address on file. There has not been any attempt to send written correspondence as the address has a forwarding address, however, they have never sent any thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information with Experian to remove UNKNOWN accounts on my credit report. 
I wrote a letter letting their company saying I did not open these accounts. Please remove unless you have my signature or proof. They show me nothing and gave me a general letter saying the accounts were verified. I sent another letter asking the to show me more and give me details. Experian said nothing and again sent no proof. I don ; t even know if there was a real investigation. I thought they had to go above and beyond to get to the bottom of situation. I sent a third letter requesting the method the used to verify. I told them by law " you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) '' I did not see anything from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this vehicle on XX/XX/2022. I have never been late. Wells Fargo has me down as XXXXXXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.
Product: Money transfers

I was supposed to receive concert tickets after sending " XXXX XXXX '' {$150.00} through Google Wallet. The concert was on XX/XX/2017 and I never received the tickets. Since then he has blocked me on twitter after he stopped responding to my messages. Therefore, I ca n't see the direct messages between us anymore. At first he sent me a broken link that said XXXX which was weird because he told me the tickets were on XXXX. The link that I opened was broken. He told me that I could pick the tickets up at the venue which was a lie because I 'd need his ID and credit card information to pick it up. When I asked him he blocked me. This girl that was also scammed by the same exact guy received her money back that same exact day. I 've taken the same steps that she has and I still have n't received my money. Also a representative named XXXX, from Google 's support team, was the one that told me that XXXX was a scammer. He told me that his account is know for fraudulent transactions. Since that is the case, my money should have never went through to his account. Google wallet comes with 100 % fraud monitoring supposedly. This is why I do n't understand why is it that the first person I spoke to on the phone from Google payments ( XXXX ) told me immediately when he saw who I sent my money to that he is known for fraudulent transactions and scamming people out of their money. I want to know why his account is still open and more importantly why any money that is being sent to him goes through if it is on Google 's database that he is a scammer. I was not protected in the slightest and I want my money back from HIM. Not from my bank which is n't being helpful at all but from him especially since you know he is a scammer and let my money go through to his account regardless. My bank ( XXXX ) told me that I have to file a police report and even then there is not a good chance that I 'll get reimbursed. I just really need my money back and no one wants to help me. Thanks.
Product: Payday loan, title loan, or personal loan

silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. thank you
Product: Debt collection

Absolute Resolutions Corporation/ Absolute Resolutions Investments LLC has been harassing me since May by sending agents to my home to serve legal papers for someone who does not live at this address. Despite repeatedly informing them of this, they have continued to send agents, which has caused me to fear for the safety of my family. 

On several occasions, agents have arrived while my children were playing outside or when we had guests over. They have asked my guests and my children about the individual they are trying to serve. One agent even came by after XXXX ( XXXX ) on XX/XX/year>, approaching my open garage. This violates the FDCPA. There have been XXXX attempts in total, and each time Ive asked the agents to stop coming because I can not assist them. The consumer laws have constantly been violated by this company and FDCPA needs to be notified of these practices. 

The most recent incident occurred on XX/XX/year>, at XXXX, when a Caucasian male knocked on my door asking for this individual. I informed him again that I do not know the person and warned him that if they returned, I would take legal action. To my shock, the agent left the persons personal documents on my car. 

I find it unacceptable that this company is sending agents to the wrong address and leaving sensitive information behind. This information included a summons for court with my address ( incorrect address of the person ), the person 's name, and the personal contract between the person and the company. I would be livid if a company just left my personal information on a random car, especially because someone could use the personal information to commit fraud. I have tried contacting Absolute Resolutions Corporation to inform them, but I have not been able to resolve the issue. Their continued actions are not only distressing but also illegal, as they are attempting to collect a debt in an improper manner.
Product: Vehicle loan or lease

XX/XX/2017 I attempted to payoff my loan. Late charged on my account due to hardship. Contacted Ally they advised of completion of waiver for XXXX by Monday X/XX/2017. It is now XX/XX/XXXX XXXX my 3rd call and nothing is done on the account. I was advised my a " supervisor " XXXX that my waiver was still in process. But early that day a representative told me there were only notes on the account no waiver was ever submitted. I am so tired of companies lying and doing anything they want to get you off the phone. All I want to do is send my final payment and I feel like they are stalling my payoff
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Over the past two weeks we have left no less than 5 messages for the negotiator, XXXX, and also a message for the office of the CEO on Monday XX/XX/11. USAA and the negotiator, XXXX had the audacity to claim we are unreachable. ******** WE WORK FROM HOME AND WE HAVE NOT ONCE EVER RECEIVED A RETURN CALL FROM NEITHER THE NEGOTIATOR NOR MANAGEMENT. XXXX **************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH USAA XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.
Product: Debt collection

XXXX XXXX XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX Debt Report Dear FTC XXXX Department, I am writing to report a fraudulent medical debt that has been placed in collections. The details are as follows : Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Account Number : XXXX Balance : {$1400.00} Location of Services : XXXX XXXX XXXX XXXX of Services : XX/XX/XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Account Number : XXXX I want to bring to your attention that I have already disputed this debt with a previous collection agency and successfully had it removed from my credit report. Unfortunately, I can not recall the name of the previous agency involved in that dispute. 

I would like to clarify that I have never received any XXXX XXXX from XXXX XXXX XXXX XXXX, nor have I ever visited the XXXX XXXX XXXX on the stated date or any other date. Therefore, I believe this debt is fraudulent and does not belong to me. 

Please advise on the necessary steps I should take to resolve this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying this situation. 
because they have called me and I told them this wasnt my day and now they sent me some papers with just the information I gave you on it, Ive already told him it wasnt me Thank you for your help. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing regarding the debt Southwest Credit Systems LP claim I owe with account number never provided. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt on XX/XX/year>, I have not received the requested documentation. 

The information is being reported inaccurately on my report and should be removed. I have never opened an account with XXXX  on XXXXXXXX XXXX That is false and i do not owe debt to XXXX or Southwest Credit Systems XXXX And my rights are being violated against the FCRA. 

Without sufficient proof of the debt, I can not confirm its validity or determine if I am legally responsible for it. Please provide : Documentation showing the original creditor and account details. 
A clear explanation of how the amount was calculated. 
Evidence that you have the authority to collect this debt. 

Until I receive proper validation, I will not acknowledge this debt, and I request that all collection efforts cease as required by the FDCPA. 

If they can not provide the requested validation, I ask that southwest credit systems LP stop reporting this debt to credit reporting agencies and refrain from any further contact regarding this matter. 

Thank you for your prompt attention to this matter.
Product: Mortgage

We had to go thru XXXX to keep our home due to my unemployment for a few months. Thankfully they paid the full balance on the account ( based on the delinquent amount and statement that was given to us by freedom mortgage ), and we were off to a fresh start the end of XX/XX/2019. The full delinquent amount was given to us by freedom and mortgage as all documents were collected and we went to closing with XXXX and the check was then sent to freedom mortgage to cover everything that was past due. XX/XX/ 2019 freedom mortgage received the check. We were happy to begin a new start and was given our monthly payment which started in XXXX. XXXX comes and we submit that monthly payment. XXXX I actually looked at the statement it was {$8800.00} past due. They claimed we had $ XXXX in negative escrow and they took the money from XXXX and applied it to the negative escrow and leaving us still past due on the Acct, and {$960.00} in late charges! After receiving a check from XXXX, freedom never communicated this negative escrow to us, nor did they instruct us on where the money would go and they never told us we would still be behind on our mortgage! After an hour long phone call today XX/XX/2019, they ( XXXX ) showed no compassion for our situation bc now its showing late or delinquent on my credit report and account not in good standing. The representative only submitted a request to the department that handles these situation and they will get back to them and let us know their response? We asked to speak to a supervisor and was told the supervisor was busy and would have to give us a call later today ... ( no call yet ) ... 

So basically XXXX gave Freedom money to XXXX out my past due amount and put our account in good standing and one month later we owe {$8800.00}? Heartless. The communication with freedom mortgage is horrible. Each rep gives different information. Theyre never on the same page. It take way too long to get things resolved, which almost always never get resolved! Its sad because this is our home and we are back to where we started! Terrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXXXXXX, Account : # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/2024, I sent Experian a 609 dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, Experian has not responded to any of my correspondence.

As of today, more than 30 days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from Experian. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that Experian fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2002 XXXX XXXX XXXXXXXX Balance {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute due to identity theft in XXXX and sent in affidavit on the following accounts. XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX and XXXX XXXX. But accounts still remain on report so I submitted another affidavit the first part of XXXX but still nothing has been done. The accounts still remain on my report.