23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I had created a payment agreement with an Attorney from Glasser & Glasser ( place debt was transferred to ). This agreement was the 2nd agreement made prior to the court date. The first agreement defaulted, I was not aware that Glasser does not accept accounts that are linked to a prepaid card so the payment withdrawal kept cancelling after the payment defaulted. This happened a few times so they continued the trial for XX/XX/XXXX. I could not reach anyone till day before trail. 

All of this was last minute but I created the 2nd agreement with an attorney to avoid judgement in the trial that I could not attend. Glasser & Glasser sought a judgement and I was told the Attorney was aware of the previous agreement but they did not share that. They never sent me a notice for the 2nd agreement made XX/XX/XXXX. What they gave me was a proposal document that they claimed was made by me and an attorney after the judgement. They did not note my first payment in the notice and just put next scheduled date as XX/XX/XXXX. On the next page it states a payment was already made but it does not acknowledge that the agreement was made XX/XX/XXXX. 
Instead they put the date agreement was made. 

I have been asking for the original 2nd agreement and each time I ask for that they tell me someone will get back to me regarding that. They asked me about my payment for XXXX and continue to ignore my request to speak to someone regarding the agreement made XX/XX/XXXX. I told them I can't continue paying because they made a new agreement after the court date without consulting me on it or sharing that they canceled out the agreement made XX/XX/XXXX. I spoke to someone last week and I was told that an attorney called me XX/XX/XXXX to complete an agreement. I told them an agreement was already made XX/XX/XXXX and I need to speak to someone on why a new agreement was made without my permission It looks like they lied when the 2nd agreement was made but I have proof of payment being on XX/XX/XXXX, which is the day me and Rep I spoke with agreed would be the first date of payment. Every Time I've reached out to Glasser & Glasser regarding this they told me someone will call me back regarding the issue but never get a response. I've been requesting for them to file a motion to vacate judgement based on an agreement previously made. Instead of telling me " no '' or its " not possible '', they have given excuses as to why they have not responded to my motions to vacate judgement. My motions and request has nothing to do with them filing a request to cancel. I've confirmed with 2 reps the date of the 2nd agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX {$390.00} XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a message from XXXX XXXX  saying that Capitol one credit card did a hard inquire on my credit. I never applied for any credit cards so don't know why they are checking my credit scores. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$980.00} Inquiries : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violatedXXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. 

This account is not mine and has been opened fraudulently. DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX loan for a XXXX purchased. XXXX Customer service calls me and hangs up every day, their dialing system does not work. I had set up direct deposit payments, but their system did not process XXXX, which was supposed to be first month drawn direct. All payments are made and current. No payments were made late, yet XXXX XXXX is reporting the XXXX payment as 30 days late. Their customer service person recognized the error and noted in system but refused to change the credit reporting. Gave me a PO Box to mail a request to update credit report. No response to multiple mailings. This one incorrect reporting dropped my credit score 64 points in 30 days.
Product: Credit card

I am writing about my Citi XXXX credit card ( Acct XXXX ) because Citi incorrectly reported my account as " 30 day late in XXXX XXXX '', even though I mailed in a check to them. I am attaching a photocopy of the check I sent as proof. They admitted that it 's possible that they lost or misplaced my check. I been a Citi credit card customer for over 10 years ( since XXXX ) starting with the Citi Dividend ( Acct XXXX ) and have never pay late. 

I wish for Citi to update my credit report to all the major credit report agencies XXXX to accurately reflect that my account was never 30 day late in XXXX of XXXX. 

As of the day of this complaint XXXX XXXX/XXXX/XXXX XXXX, my credit card account has a XXXX balance.
Product: Debt collection

I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reported this problem to you guys before in XXXX Claim number XXXX. The results we that military orders werent presented and that it shouldve been removed from the equifax report as it was already removed from XXXX and XXXX reports XXXX XXXX XXXX is still reporting as of XXXX XXXX to equifax that have an open balance of XXXX on an account closed in XXXX
Product: Credit card

In a nutshell, two flights were booked through XXXX XXXX. The first one was made by mistake. Told that we were going to be refunded never were so disputed it with the credit card company, and the credit card company says that they refuse to pay.
Product: Credit card or prepaid card

My card was declined due to potential fraud. I called the Citibank number on the back of the card. In order to verify my identity, they put me through a series of inconvenient and weird hurdles. They wanted to call the receptionist at my employer. I tried to explain the company I work for is a very large corporation, its Saturday, and they do not normally verify employment. Eventually I was able to convince them to verify through an alternate method. They then asked to verify by calling another credit card company. They would need my full card number. I refused to do this due to how suspicious this seemed. I also have XXXX other cards with the same bank so this seems unnecessary. They then tried to verify my phone number through the provider but were not able to do so. Eventually they just called my number ( the same one I was calling from ) and that was sufficient verification. Overall this is an entirely inconvenient and dumbfounding process that does not inspire confidence in Citis capabilities. Asking for my full card number at another bank when they are also privy to all of my other information is worrying and I wouldnt be surprised if fraud occurred as a result of this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXXXXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX,2023 XXXX XXXX  has 15 late fees I paid off when I paid the balance in full XXXX XXXX 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for XXXX, transunion and XXXX to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.
Product: Credit reporting

I NEVER RECIVED A NOTICE FROM THE COURT. I M TALKING ABOUT THE XXXX CASE. PLEASE HELP ME. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately.

Please reference my original complaint CFPB case # : XXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXXXXXX XXXX, Acct # : XXXX XXXX. Original creditor is XXXX XXXX - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX XXXXXXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX  Acct Name XXXX XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX Bankruptcy Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.
Product: Credit reporting or other personal consumer reports

I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from Experian. As such I have requested that Experian delete the late payment on this account due to not providing me with any evidence that I was late on this account.
Product: Checking or savings account

My husband and I open a joint account, I started to notice that someone was taking money out of our account I call the bank and They didnt say that they wanted to talk to my husband, I told them that thats my account too, I decided to open a savings account from the same bank, and I told them that I didnt want nobody else on that account, and if my husband ask tell him the same thing you told me. 2 months later I was working as soon I deposit my check, someone was taking my money, I call the bank they told me that I was the only one in that account. I told them If they can check out who is that person who is taking my money, the say that they were going to do something about it, but they didnt it happen over and over again, we went back to deposit on our account our check s but my sister move with us for 3 to 4 months I saw on her papers tha she had the same account number as my husband s and I. I call the bank ask they did say it was her and I told them that she did not have any permission to take money out of our and my account they didnt do anything
Product: Credit reporting or other personal consumer reports

On XXXX I settled two of my charge-off accounts with XXXX XXXXXXXX XXXX XXXX XXXXXXXX had a original balance of {$1900.00} I settled for {$980.00} confirmation # XXXX. Second one had a original balance of {$1900.00} settled for {$960.00} confirmation # XXXX. 

By XX/XX/2024 both settled accounts were properly showing a {$0.00} balance on XXXX XXXX XXXX, not on Transunion. I have sent multiple letters since then to Transunion credit bureau as well as XXXX XXXX, to correct the reported balance on Transunion. There has been no correction or communication from either party. 

I am in the process of obtaining a mortgage & this inaccurate reporting is severally affecting my Transunion credit score in turn affecting my purchasing abilities.
Product: Credit card

I applied for the American Express XXXX XXXX XXXX credit card roughly around XX/XX/XXXX. My application was taking into submission and as of today XX/XX/XXXX I had not received a response. I called them today, XX/XX/XXXX and asked what the status was. They informed me that my application was denied because I had too many recent bank cards. My credit score is Very Good ( it went down XXXX points because of their inquiry and XXXX points because my car lease ended last month ) however despite those 2 factors it is still at XXXX. I have no late payments, I got a new cc in XXXX and one in XX/XX/XXXX that have XXXX balances. All my accounts are current and I have credit cards total. There is absolutely no reason to deny my application. I feel there is a discriminatory reason for the denial. They also claimed they mailed out a letter on XX/XX/XXXX and I have not received a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
Product: Checking or savings account

Someone tried to open a Direct deposit account online with Wells Fargo Bank on XX/XX/2022 it got stopped and listed as Fraud!
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 15 USC 1681. 

XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX  # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX  : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXXXXXX, Unable to be verify inaccurately reported information. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$63.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance XXXX {$700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report I found a late payment reporting in the month of XX/XX/2018. 
I am not sure how this happened since i make my payments as soon as I get my statements. My only thought is I never got this statement.
Product: Debt collection

Midland Credit Management bought my debt ( which was written off and closed by XXXX XXXX ) and started harassing me constantly. They filed to sue me with local courts in XX/XX/2023 but did not deliver to me until XX/XX/2023. They filed to sue me but has not stopped harassing me, even though they have a hearing date AND I told them to stop contacting me. 

They are harassing me constantly, every single day. They have filed this suit even though. XXXX XXXX has an arbitration attached to it, so it is essentially illegal for them to even have this in court against me. This company operates illegally and someone needs to be informed and take care of it please.