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

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX  is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, XXXX, or Equifax reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Automobile Dealers, Used ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me
Product: Debt collection

I received service from XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was provided a bill at time of service and paid what was owed for services provided. Since that time I have received no correspondence from their office. In XXXX of XXXX I received a bill from a collection agency that there was an additional XXXX dollars that was due to the company and is now with their collection agency. I contacted XXXX XXXX and was informed they had continued to submit it to the insurance company over the last four years and due to it not being paid they sent it to collections. I asked when they had tried to contact me because I had received no correspondence from their office and I was informed they never sent me a bill or tried to contact me in any form. The insurance that was used at the time of service was provided by my job and is an insurance that I no longer had XXXX of the next year due to a change in employment. The company is unwilling to provide any assistance in reaching a solution to this matter and I am having a hard time trying to get answers from an insurance company I have not been insured with in four years. I would like to know how I can resolve this without my credit being disrupted due to something I was unaware of and something I was unaware of for the last for years.
Product: Checking or savings account

Opened an account online with Truist Bank on XX/XX/2023. 

On XX/XX/2023 I attempted to login to account but got a messaged saying the following : Account locked - your online access has been restricted for security purposes. To resolve this issue, please contact the Truist Contact Center at XXXX. 

I called the number and the representative told me to contact their fraud department at XXXX. I called the fraud department and they told me they could not provide any information to me, that I had to visit a local branch to get more information. Problem is that there is no local branches near me. Closest branch is about XXXX miles from me. I told them this info and rep basically told me to call the branch and see if they can help. I called the branch and they told me they could not help me with this request, that I need to contact the fraud department. 

Really disappointing experience and I had just enrolled my direct deposit to this bank and I am not able to access my money due to the unprofessional services provided by this bank.
Product: Debt collection

Received a call from The Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX at XXXXXXXX XXXX  on XX/XX/XXXX. The said I owe {$1200.00} on a medical bill that I already paid to a collection agency on XX/XX/XXXX. They are clearly mistaken as I have the reciept for the bill I paid. Rather than do their due diligence, it seems they'd prefer to harass me and go catfishing about some bogus 2 year old bill that I already paid.
Product: Credit card

American Express refuses to comply with the Fair Truth In Lending Act. This may look like a duplicate complaint, but it is the only way to update you on the facts. American Express is absolutely refusing to show and substantiate charges on our account. They also paid an unauthorized charge. This amount we know and can clearly see on the original statement. But there is {$1300.00} in additional charges on our account that show no line item corresponding charges anywhere and which American Express refuses to substantiate. They also refuse to honor our dispute and threaten us with credit reporting. I have explained to them that they need to honor our dispute and to prove to us the charges we can not see on any statement or combination of statements beginning in XXXX 2013. We pay this account in full each month for all line charges we have actually made. We run a spread sheet and check it carefully to make sure the numbers are correct. We are trying to do the right thing. It is time for American Express to do the same. I believe there is fraud on this account that American Express needs to investigate.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which XXXXtes USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. Here are the list of items that needs attention in my credit report : XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have printed my credit report. and noticed debt from US Bank being reported in my credit I requested. documentation bearing my signature that I have signed agreeing to this debt to pay US bank. 
Gave them written 30 days to respond to me, 30 days passed they failed to report the item in my. credit report " Disputed '' status. 
I kept record of all communication with US bank. 'US bank failed the Law by not reporting the account disputed status within 30 days of contacting us bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian expressing that there were inaccurate accounts reporting to my consumer report. I express to Experian the collection account was reporting past due and a collection account is by default late and past due and ask them to reinvestigate these accounts, they mailed me my consumer report stated that the accounts was updated and meets the requirements of the FCRA. The last time I checked the FCRA requires the consumer report to be 100 % accurate. These accounts have no date of last activity, no last date of delinquency this information is supposed to be on the report. I ask for these accounts to be reinvestigated you obviously did not properly investigate these accounts, or you would have realized that these accounts were reporting inaccurate. I never gave consent to these entities to furnish any of my personal information I never got notice they were going to supply negative information to my consumer report. 
Experian is willing fully and knowingly reporting inaccurate information, reporting these inaccurate accounts are actual damage to me that can be proven cause by your actions of improper reinvestigation to these accounts below. 
1. Accounts Name : XXXX XXXX XXXX Account # : XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX Accounts # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.
Product: Credit reporting or other personal consumer reports

Dear Equifax I sent a letter to the furnisher disputing the account listed below. I have not heard back from them, but they have verified find the account as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported dates. 

Can they do this? Verify an account without providing me with proof that they are reporting 100 % accurate? I will be sending all letters to my attorney for review to see if anyone violated the law. Know your company verified the above account. Send me all of the information you used to verify the above account so my attorney can review it for any violations. 

Please send ASAP, as 15 days should be enough time. 

I and my attorney await your response. 

Cc : FTC, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX   XXXX claiming I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Money transfer, virtual currency, or money service

I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing ACH withdrawals that I make from XXXX to my bank. I made ACH withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in 3-5 days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an ACH transaction of XXXX, to be sent to my bank account at XXXXXXXX XXXX following the XXXX  guidelines, instructions and terms of service on XXXX, XXXX, days prior to XXXX declaring bankruptcy on XX/XX/XXXX. 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my ACHs ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to the ACHs and/or the status of my funds. 

Circle is responsible for managing the ACH process. At this point, almost 3 months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, ACH withdrawals are no longer in their control.
Product: Credit card or prepaid card

In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.
Product: Debt collection

During covid I was on.reduced hours at work I paid what I could they were calling my job 4 to 7 times a day they got me fired. I had received a call from a person in the XXXX office who said if I did not pay they would call XXXX and have my kids taken a away and hung up after they got me fired I could not pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Product: Debt collection

I was a victim of identity theft and I need help getting this debt off of my credit report as soon as possible please and thank you
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. I have never missed a payment on XXXX account number XXXX. I request a full and detailed investigation into these discrepancies and please provide evidence such as statements of late payments. If no evidence can be provided, I asked that my credit report be updated to reflect the true status of on line payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in a violation pursuant to section 623 of the FCRA, Its been past 30 plus for this investigation
Product: Credit card or prepaid card

Had difficulty paying a Capital One credit card for a few months. Called Capital One on XX/XX/XXXX to explain we ( a mother and daughter called, it 's the mother 's card ) were having problems paying and to request a debt management program with them. They gave us the phone number of a company they said they work with in these cases. The Capital One rep was friendly and helpful. That same day we contacted the debt management company and set up an account to start making monthly payments to Capital One. ( Note : the last statement balance we received from Capital One had a balance of XXXX. ) Later, we receive a letter from Capital One dated XX/XX/XXXX stating the mother 's account is not eligible for the debt management program we tried to work out with them through the debt management company they recommended. <P/>XX/XX/XXXX - Capital One accepts a payment from us through the debt management company, whose proposal they rejected according to the above mentioned letter. <P/>Receive another letter from Capital One dated XX/XX/XXXX stating the balance on the card was acquired by a creditor. <P/>Around XX/XX/XXXX, receive invoice from a collector on behalf of the creditor.
<P/>Around XX/XX/XXXX, start getting calls from collector, who now want payment in full.
<P/>
XX/XX/XXXX to XX/XX/XXXX - tried to work out monthly payment schedule with the collector through the debt management company but they said, although they 'll accept the payments, it would n't stop them from taking legal action. They wanted the debt paid in full right away. Offered a reduction if we paid {$1500.00} right now, and we did. Wanted the rest by XX/XX/XXXX, would extend to XX/XX/XXXX if needed. Said they would call for an update on XX/XX/XXXX and they did n't. They said they would email the information to us since we may need it to get a loan and they never emailed us.
<P/>
Around XX/XX/XXXX - After having difficulty finding a suitable way to pay the rest, we sought legal advice and contacted a lawyer. Paid the lawyer {$250.00} for a letter he would send to the collector. Around XX/XX/XXXX, the lawyer emails a letter to the collector, resulting in a phone call between the lawyer and the collector, which came to no resolution. Have n't heard from the collector or the lawyer since.
<P/>
Around XX/XX/XXXX, receive an invoice from a different collector on behalf of the creditor in the amount of {$14000.00}. They leave a message on mother 's phone.
<P/>
After seeking legal advice we decide to put in a consumer complaint. We feel Capital One was very unfair in charging off an account after the account holder contacted them seeking a resolution which they offered by giving us the contact information for a debt management company they work with. Further, after they later rejected the proposed debt management program, they accepted a payment from the account holder through that program. The resulting contact from creditors pressuring full payment immediately, etc. has resulted in emotional and financial distress which could have been avoided if Capital One did not renege on the solution they offered.
<P/>
Details are in attached documents.
Product: Mortgage

Requested mortgage assistance for several months and submitted financials and other documents several times. I call to follow up with the process and I've being given the run around with this stating they have not received documents on numerous times and now my up is up for a property foreclosure sale. I been working with my mortgage company for over one year. Recently I mailed the assumption package with my financials since I was told numerous times they never received my request. The mortgage company is giving me the run around and I need Help!!!
Product: Credit reporting or other personal consumer reports

I recently reviewd my credit report and noticed some inaccuracies on my report. 
Starting with this collection, I never lived or was associated with. These address 's i never lived at and these iqurires i never applied for please remove off my report asap. 

Account Name : 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