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

On XX/XX/2018, a call was placed to XXXX XXXX XXXX XXXX at ph # XXXX at XXXXXXXX XXXX central standard time. The bank agent told me electronic checks ( ending account # XXXX ) and credit card ( XXXX ) come be done by phone and she gave routing and account number for transaction. Yesterday, I received a call from ( XXXX XXXX XXXX which manages -XXXX  XXXX XXXX ) that the check was insufficient and ask if I could do a credit card payment. XXXXXXXX XXXX  continued to do the transaction by visa 123 credit card own by XXXXXXXX XXXX  XXXX only be declined. XXXX XXXX called me once again and told me about the declined transaction and advised me to proceed to XXXX using their account number ( ending in XXXX ) and Id ( XXXX ). While XXXX XXXX Rep was ( XXXX called from XXXX at XXXX, I was able to view their app on line ( XXXX-power by XXXX ) per the app showed XXXX charged me an INSUFFICANT of {$50.00}. I told XXXX, insufficient is no money in the account that is false and misleading information and therefore, per the bank the pay address was incorrect when XXXX XXXX XXXX the payment and credit card transaction. XXXX advised me that It would be corrected for the NSF charge tomorrow but, she could not do it today because she had to leave the office immediately but, to get to XXXX to avoid the late payment charge on the tomorrow. I proceed to go to XXXX location on XXXX XXXX XXXX XXXX, Texas ph # XXXX the XXXX agent tried three times to process the account number given by XXXX XXXX ( XXXX XXXX XXXX ) Per XXXX I am not listed as a resident in their system and payment could not be processed. I proceed to get a money order for ( XXXX XXXX XXXX which state they don't take money order anymore as of four months ago and payments can only be made through their ( ENTRA XXXX   app or XXXX ) neither worked I sent an email and left a message about the related issues to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I then called US Bank to find the reason behind the errors spoke with supervisor XXXX and he advised that his agent made a mistake because they don't do electronic checks only deposits. I told XXXX they owe me for the {$50.00} insufficient fee and he stated, " Sorry -the bank is not set up to pay for errors on our part! He stated, You address was incorrect that is why your credit card payment didn't go through. I told XXXX ( agent # XXXX ) my account had my new address on file what is going on. He stated, I can get that address update! This is FRAUD! So, both XXXX and US Bank proceed to defraud customers
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXX from XXXX XXXX in XXXX, GA on XX/XX/XXXX. They force sold me a Extended warranty, they told me I had to take it. On XX/XX/XXXX my car shutdown on me on XXXX headed XXXX XXXX. When I had my car towed into the Dealership service Department they stated the Warranty Company said they would not cover the repairs because I neglected maintenance on my car. My Father is a Used Car Dealer, been in the Industry for 35 years and have friends who work for Extended Warranty Companies. They all said this is Fraud and both the Dealer and the Warranty Company are liable for damages. They tried to make me buy another car but right now I want to sue both the Extended Warranty Company and the Dealership for Fraud. I have reached out to a Attorney today.
Product: Credit reporting or other personal consumer reports

This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. I XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Received a response from Citibank Client Services, dated XX/XX/XXXX. Response indicated that I received a XXXX for the XX/XX/XXXX tax year. And that the debt was charged off on XX/XX/XXXX. 

Upon review of my records for the XX/XX/XXXX tax year, no XXXX was received by myself. And I did not make any unsecured debt payments to any creditor past XX/XX/XXXX. 

I wrote a letter to Citibank Client Services, attention XXXX XXXX of the Executive Response Unit. I indicated the above concerns and to please verify that this is my account. The letter was sent certified mail and was delivered on XX/XX/XXXX. To date no response has been received from Citibank client services. Ref Case # XXXX. Please see attached letter dated XX/XX/XXXX addressed to XXXX XXXX, Citibank. Certified mail tracking number XXXX
Product: Debt collection

The company was submitted proof of my XXXX prior to filing this debt in court. I am no longer liable for this 22year old account yet the company continues aggressive collections attempts through court ad credit reporting agencies
Product: Credit card or prepaid card

Syncrony bank has added unemployment insurance to my card without my knowledge. I don't want this insurance as my minimum payment has only gone to the cost of insurance every month. To cancel the insurance it's near impossible. I am requesting a refund and it be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX/DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XX/XX/XXXX **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a XXXX  which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only 3 things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX  {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these 3 illegal items removed. 

XX/XX/XXXX
Product: Credit card or prepaid card

I received a net spend debit card with my information on the card. I did not apply for this net spend. This is the second time I received this. I called the net spend company and told them to stop sending me this. I did not request it.
Product: Debt collection

1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX continue to circumvent the FCRA by continuously closing my investigation requests. They continue to deny my right for a thorough investigation and ultimately a deletion of this continued unverified information. 

I still have not received the original chain of title of for this alleged debt. 
I have not received the date of first delinquency for this alleged debt. 
I have not received the last amount paid on this alleged debt. 

How is it that the cfpb keeps allowing this negligent noncompliance. Who else can i go to? I consistently submit my verification docs and XXXX continues to close my case as potential fraud. What is potentially fraud about asking for manual investigation on my credit report? They've also erased the balance on the collection to {$0.00}. I have never paid the debt. How is the balance owed changing? I believe tXXXX just simply does not want to investigate or be bothered with my profile. 

Please CFPB, hold XXXX accountable for not complying with my right to challenge my report Right to Dispute Inaccuracies ( 1681i ( a ) ( 1 ) ( A ) ), their responsibility to correct and delete items Duty of the Credit Bureau to Reinvestigate ( 1681i ( a ) ( 1 ) ( A ) ), and multiple other violations under 1681i. 

I am requesting an immediate deletion of the aldous account so i can move on with my life. Please do what is right. XXXX has already had a class action lawsuit against them for this same exact situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. 

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. 

I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX  XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.
Product: Debt collection

I am writing to dispute the accuracy of a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA. 

Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$98.00} Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$64.00}
Product: Debt collection

This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT is reporting an account as a DELINQUENT, I contacted AVANT on XX/XX/2020, as well as all credit companies to request information regarding this DELINQUENT, account. To date, I have not received any information regarding this account and the DELINQUENT, status.
Product: Money transfer, virtual currency, or money service

I had a previous complaint about my account being closed and now they sent me a check with the refund, went to cash the check and The check is bouncing and no one will cash it because they cant get ahold of chime to verify the check Amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF AN AUTO LOAN WITH XXXX XXXX ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM DECEMEBER XXXX, XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY XXXX YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM XXXXXXXX XXXX AND I HAD NO MISSED PAYMENTS.
Product: Debt collection

This is in response to my previous CFPB compliant # XXXX You guys are playing games and stalling a bill statement is not a debt validation. I requested in my previous compliant for Receivable performance management stop all debt collection attempts and you only provided a bill statement and that is not acceptable at all
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) 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 the company and is not a reflection of my payment experience which violates 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 in months that are reported late to be removed.

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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I have a monthly payment of around {$400.00}. Each month I electronically transfer the payment from my XXXX XXXX account to my pen fed account. I pay XXXX monthly thinking that I would be reducing the principal because the excess would be applied to the principal. Despite the fact I have made the request several times, Pen Fed applies the additional fund to the following months payment or interest. They told me if I wanted to pay additional on the principal, the only way I could do it was to send the money to my pen fed savings account first and then transfer it to my car loan. 

This practice seems to be an unfair practice. Pen Fed is aware that my intention is to apply the additional funds to principal, but has refused. It doesnt seem right that I should be forced to transfer funds into my savings in order have the funds applied to principal.