23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello I am on a payment plan with one of my credit cards with Capital One to get my card limit back on track to bring my limit down however, I should not be receiving a late fee when I am on a payment plan thats only going to deferred me in my balance, I was told that I didnt pay {$200.00} but my payment plan is for XXXX for the next three months. My next payment is not come out until XXXX and I was told on XXXX the late fee will be removed. However, the late fee needs to be removed now considering Im on a payment plan to get my account back hurts to me thats very unfair. How can someone get on track if theyre making you pay late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account # XXXX XXXX XXXX XXXX  on my credit report due to inaccurate information. The account was deleted. I checked my report and noticed that the account was added back to my report. I called Experian today XX/XX/XXXX to ask why wasnt I notified in writing about the account being added back to my report. The rep XXXX told me the account was never deleted which is a lie because I have proof it was deleted from EXPERIAN! I would like the account deleted. I have inaccurate information reporting on my report and Experian is the only reporting bureau that seems like they are not investigating properly.
Product: Debt collection

I have been in contact with XXXX XXXX XXXX regarding a debt that is reporting to my credit report that is not owed. I have received documentation stating that I don't owe the amount and that this account is to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, someone signed up for a MoneyGram account using my email address, XXXX. 

From there, they attempted to send {$2100.00} through MoneyGram, but XXXX denied the transaction. Shortly after on the same day, they were able to send the same amount, {$2100.00}. 

XXXX did not flag this transaction and allowed it to proceed. The recipient was named XXXX XXXX XXXX. This person is unknown to me. The receiver state is Nevada and it was listed as a cash pickup. The MoneyGram reference ID is XXXX. All of my information used in the transaction as the sender was valid, but not provided by me. 

Next, on the same day I received a notification saying the money had been picked up. 

Then, there was another attempt to transfer more money, but it was denied by MoneyGram. Shortly after, another attempt was made and the money was sent, {$1800.00} and picked up. 
Reference ID : XXXX I was unaware of the charges as I do not regularly check my email. I was only aware of the missing money once I checked my bank statement from XXXX. It was at this time, XXXX temporarily credited my account, pending investigation. XXXX attempted to get the funds back from MoneyGram, however their claim was denied. I requested the evidence sent from MoneyGram to XXXX and found some discrepancies. 

The IP address used by the sender was listed as XXXX, which does not appear as a valid IP. This was the evidence used by MoneyGram to validate that I was the sender, as the claim is that this is a California IP address. 

From here, I filed a local police report in XXXX XXXX XXXX, CA. The event number is XXXX, dated XX/XX/2022.
Product: Debt collection

THIS COMPANY IS A 3RD PARTY DEBT COLLECTOR THAT IS TRYING TO COLLECT A DEBT THAT HAS ALREADY BEEN REMOVED FROM MY CREDIT FILE AND DEEMED AS THEM HAVING NO AUTHORITY TO COLLECT ON IT. IT WAS SOLD AND THE COMPANY THAT SOLD IT A 1099 C HAD ALREADY BEEN FILED. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORT AND THEY THEN PLACED IT BACK ON MY CREDIT REPORT WHICH IS ILLEGAL TO DO SO
Product: Debt collection

I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. 
World Finance Experian won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. 
Experian is instrumental in Continuing to Report inaccurate information US AUTO FINANCE NON RESPONSE EXPERIAN NON RESPONSE WORLD FINANCE NON RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding fraudulent information appearing on my credit report due to identity theft. I have provided the necessary documentation to support my dispute and expect immediate action to remove all fraudulent data.

Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under this section, you must block any information identified as a result of identity theft within four ( 4 ) business days of receiving my dispute and required documentation. Failure to do so constitutes a violation of federal law. 

Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : If you fail to reinvestigate the disputed items within 30 days, you are in violation of this section. 
If you reinstate the fraudulent information without notifying me or conducting a reasonable investigation, you may be in further violation. 
Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receiving my dispute, you must notify the furnishers of the fraudulent information within five ( 5 ) business days.
Product: Credit reporting or other personal consumer reports

Please remove all my fraudulent accounts immediately. I was victim of identity theft and trying to get my life back on track is the furthest thing from easy. I had much success removing things due to my identity theft but they're are still some companies that are not following proper protocol when it comes to validating my " debts. '' I have asked for verification of debts, I have submitted countless paperwork including ftc reports and police reports but nothing is getting done. 

Accounts include : Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX I will submit my paperwork here again to show you show whats going on. 
Thank you for your help.
Product: Vehicle loan or lease

See attachment below for full description of what happened. Shirt version, I bought a car from XXXX XXXX XXXX in XXXX XXXX and the dealership committed violations against me. They never disclosed the contract details to me. They never disclosed the amount I was financed for. They never disclosed how much the car was. They also charged me extra fees that said optional on the contract but I was never given the option to decline the fees.
Product: Credit card

During the last 120 days, I have 3 complaints against US bank for their very confusing online banking system for credit card. I don't know why they just show 3 of my credit card? 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 even when I have overall more than XXXX credit cards with us bank. 
I have no idea why US Bank made it so complex for anybody to understand how to make the payment, autopay or change the bank account ( from which to make the payment ). I have called US Bank at least 5 times and conveyed the same but no impact. I am in Information technology for 27 years and worked for financial systems for around 15 years ( 8 years - credit card ). If somebody like me is not understanding their system - then there is something really wrong. there is no impact of feedback on US Bank. IT employees, customer service are inefficient and hopeless. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. I called them during last 4 days - they were clueless. What I want? Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service. 

Today I got another statement from US Bank for the credit card ending in XXXX. It says there is a {$39.00} late fees. I have been asking for US Bank for so many days. This credit card doesn't even appear in my online account. If i don't know I have a credit card and i need to pay then how come I can make the payment. Based on this statement when i called at XXXX at around XXXX to XXXX XXXX XXXX time, I talked to an old gentleman. This person took my routing # and account # - record 3 times and couldn't process my payment. Then he gave me another phone # XXXX to make the payment. It seems that number is for some business line for US Bank and they are closed on Saturday. Once again I called XXXX at around XXXX XXXX XXXX XXXX and payment was processed.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I wanted to pay the principal the woman I spoke to said I would receive a confirmation email and I got nothing
Product: Credit card

Care Credit gave me a credit line of $ XXXX in XXXX after I had paid nearly $ XXXX off they reduced my limit to $ XXXX making it apear as though my card was maxed out causing my credit score to plummet. I suffered dropping creditt scores and was denied financing as a direct result of ther tactics. They just reduced it again from $ XXXX to $ XXXX after I had nearly $ XXXX available credit on the $ XXXX. I called to conftront the obvious scam tatctics and was not surprised to find their reasson to reduce my credit line was that i wasnt using the creidt therfore they destroyed my credit becasue i was being responsible with the credit line. 

Shameful, they need to make this right they charged me enormous fees and then they destroyed my credit i am reading through thousands of consumer complaints exacalty the same as mine. Care Credit is a predatory lender
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

Mohela has duplicate entries/accounts of my student loans on my XXXX credit report, making my total debt nearly twice what it actually should be. 

I tried calling the company directly on XX/XX/XXXX to address the issue. I spoke with a representative and she transferred me to someone who handled credit reporting. After waiting on hold for 3 hours and 41 mins of total call/wait time, I hung up.
Product: Debt collection

Ive told you all that I have never rented a house before. This is not my debt. Send me verification of debt within 5 days.
Product: Debt collection

These companies NCO financial, NCO group and XXXX call my house continuously all day long. They never leave messages. I have to shut my ringer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX XXXX  XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX XXXX  XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

on XX/XX/2021, i sent FRANKLIN COLLECTION SERVICE, INC a letter asking for the validity of the alleged debt of {$200.00} that i do not owe. i haven't received anything thus far and it is causing me XXXX  and XXXX because i get anything with my credit. i have attach a copy below of the letter for my record.
Product: Debt collection

This is more info in reference to these complaints : XXXX XXXX I called XXXX XXXX  XXXX  ( Owned by XXXX XXXX ) and they confirmed that I paid off my bill via autopay on XX/XX/XXXX and I never had a late bill. The person checked the greater XXXX XXXX network and showed no other accounts. He said this account was fraud. 

This make sense as to why I never got a bill before it was in collections and also why when I spoke to TransWorld Systems when I first became oaware of the delinquent payment ( XX/XX/XXXX ), they told me they tried to contact me at a phone number which never belonged to me. 

I should have never paid Transworld and they owe me a refund along with the prompt removal of this delinquency from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion/ LCI is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to access my account online using Eqifax it ask me these questions that they say are on my consumer report and I FAIL EVERYTIME!! I KNOW WHO I'VE HAD A LOAN WITH. NOBODY!! I KNOW WHEN I GOT A MORTGAGE LOAN. NEVER!! I KNOW WHEN I GOT A RETAIL CREDIT CARD. NEVER!! SOMEBODY NEEDS TO FIX MY CONSUMER REPORT BECAUSE AFTER A MONTH OF ANSWERING NONE OF THE ABOVE TO ALL THE QUESTIONS AND THEY TELLING ME IT'S INCORRECT IS REALLY TWERKING MY MELON!!!
Product: Mortgage

hi, i have mortgages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i 've had these loans for quite a while-i think since XX/XX/XXXX or XX/XX/XXXX we 've made our payments and have had to adjust how we send them in due to the careless handling of the payments. first i would mail them altogether in one envelope with one check and include the coupons showing the loans paid. they would apply all of the money to XXXX account and show the others past due. i stopped doing that and issued a check per mortgage and included all the checks and coupons together in one envelope-same result as the first. i am now writing out individual checks and putting the check and the coupon in it 's own envelope and then sending it by ups -- so i get a signature that you have received the payment. i 'm sending ups -- - because it is taking upwards of a week to apply the payments to the mortgages-why is that? it runs it close to the end of the grace period-which sets off a chain of events that is wasting my time. i get calls and emials telling me that my payment is due-although i sent the check out a week ago. i called XX/XX/XXXX and talked to reuben id # XXXX and went through each and every loan to make sure i was n't charged a late fee-he did that for me and told me that no fees were charged. i asked how come they are calling me and he said that there are XXXX or XXXX departments that work on the loans and they do n't share the info. this is a huge time waster for me and very stressful. i need to speak to someone regarding this as i need to remove the remarks from my credit report-it has a negative impact. i have in my email box a notification of payment on XXXX XXXX telling me that the payment was made on loan XXXX and then on XX/XX/XXXX i get an email payment reminder -- see how this is happening? makes no sense to me. i can never get to anyone that can make a decision or think logically to resolve this issue that has been going on for years.
Product: Credit card

Chase is currently reporting a charge off credit card on my credit report that I paid off years ago. I have disputed this account with the credit bureaus and with Chase directly and it still has n't been removed. I will attached proof that I paid the collection agency for this account.
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 title 15 U.S.C. 1681 : XXXX XXXX XXXX XXXXXXXX : # 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 XXXXXXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS. I DEMAND THAT THESE ACCOUNTS ARE DELETED FROM MY CONSUMER REPORT! XXXX XXXX. 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. 15 U.S.C. 1681C ( a ) ( 5 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

My loan servicer, FedLoan Servicing, has been unable to produce the Master Promissory Notes for my consolidation loans. These documents are required by a loan repayment program offered through my employer. I have called them approximately 8 times over several months for these documents. In the first few calls, I received conflicting information about whether or not FedLoan Servicing had the documents. Representatives also kept referring me to other sources instead of escalating my request with FedLoans, who is the servicer of the loan. The servicer is legally required to hold the Master Promissory Notes. 
When asked if they could provide any alternative documentation such as an affidavit that they have lost the promissory note, FedLoans representatives said that they are unable to do so. 
This represents a failure to provide a basic service to me as a borrower.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I called both companies that listed in the inquiry. XXXX XXXX said we don't know what you are talking about. Call the company listed that pulled your information/Hard Inquiry. 
I reached out to the other company called XXXX XXXX XXXX. They said it's not us call the company listed on your credit report. I called XXXX. They hang up the on me. 
Here is the hard inquires they put in my credit report. I called XXXX, they took information from me and sent me letter confirming of the deletion of all XXXX inquires in my credit report. I thought it was just them but I found out the other XXXX are reporting. When I reached out to Equifax, they refused to delete it even after telling them I have seen this in my XXXX via my bank ( XXXX XXXX XXXX ) I asked to speak with a manager. The manager demand that I send them a Copy of my social security cared, my driver 's license and a copy of this complaint. 
This is why I am filing this complaint. 

ALL FO THESE ARE HARD INQUIRIES ON MY CREDIT REPORT XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.