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

In XX/XX/XXXX, I received a XXXX XXXX Visa card from XXXX XXXX  where I did all my business at the time. I was a XXXX XXXX XXXX. From XX/XX/XXXX until this incident I was never late a day on my credit card payments, as is borne out on my credit report. In fact, over 44.5 years and millions of dollars of payments I never was a day late that whole period of time on ANY payment! 
In XX/XX/XXXX, XXXX suggested I consider paperless billing, for which I signed up. I NEVER RECEIVED EVEN ONE STATEMENT AGAIN! I kept this card in a wallet in my glove box of my car just for emergency purposes, so it wasn't something that was top of mind for me to remember, plus I am a XXXX XXXX and frankly due to age and medications there is a lot I don't recall immediately. In XX/XX/XXXX, I did receive a letter from XXXX telling me I had a balance due on my credit card, so I immediately called XXXX and gave them a checking account number and routing number to my personal checking account to pay the balance due, which they did. Later they told me that the payment that I was making from my checking account was just for that payment, while I thought the checking account number was there to pay ANY balance that might appear on the card. In fact, when this incident happened and I called XXXX the system asked me if I wanted to pay the balance due with my checking account " On file ''! 
On XX/XX/XXXX, I received a notice from XXXX stating that I had a {$300.00} balance on my credit card, and that {$130.00} was due on XX/XX/XXXX. ( See attached screen shot of that notice ), yet on the day before, XX/XX/XXXX, XXXX REPORTED TO THE CREDIT BUREAUS THAT I WAS 60 DAYS LATE!!! 
XXXX  never contacted me to tell me the balance was even due. I received no email except the one telling me  my balance was due on XX/XX/XXXX. I received no phone calls as the phone number XXXX was using was disconnected years ago. I received no postal mail that I can recall, but I believed I was on paperless billing anyway so I wasn't looking for anything from XXXX Bank. ( I have attached screen shots of the email on my email server for the periods in question and one can see the only chase notification that came through was the notice that the balance was due on XX/XX/XXXX ) Clearly, if I received any notice at all that there was a balance due I would have paid it, but I had no knowledge there was even a balance on the card due to paperless billing NOT WORKING! ( I have attached a screen shot of an internet blog which states that many others were having the same problem with chase paperless billing )
Product: Payday loan, title loan, or personal loan

Previously I opened a few returns for items purchased using klarna. They extended the payments automatically and with help by company. They were predatory and the Rep did not disclose the amount of late fees, either did supervisor or anyone else notify me of this. Can i have a list of all late fee amounts? Showing for each one the amount and the order reference number coinciding to each. Please provide this or escalate to a supervisor to provide please.

1 ) I would like an itemized list of all late fees charged ; showing the amounts of late fees and the coinciding order numbers.

2 ) I would like to request that all these late fees be waived as a 1 time courtesy for each order. I opened returns and then decided to keep the item. So the return closed. I specifically went into each order if you look that was a return and asked this question. Each rep and supervisor in these chats did not disclose or mention these fees. I specifically asked. This is illegal. Please escalate this request to get me an emailed list of all orders that late fees applied to. Also escalate a refund request for each of these late fees for refund by a supervisor.

3 ) please provide me a copy off all the klarna customer service app chat notes and transcripts on the account printed mailed as well as emailed.

Please do this to avoid complaint to attorneys, ftc, XXXX, cfpb, attorney general and governor as well as the ada. Again, I can not speak on the phone due to a XXXX and was forced to utilize the chat forums that only allow screen shots. No option to copy paste or save print the conversation logs. So can you provide this?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX - XX/XX/XXXX the account was resolved through emails and telephone payments made. Customer service and the XXXX department agreed not to send the account to collections with a payment of {$280.00} in addition to the {$37.00} which had already been made online. After reviewing my credit report, the account has been sent to collection anyway regardless of the payment agreement and should not have.
Product: Debt collection

Chase, my credit card company, sent my bill to collections in XX/XX/XXXX. The charge off amount from Chase was {$5400.00}, per Chase. XXXX XXXX, the debt collector, stated the amount owed was {$5700.00}, letter dated XX/XX/XXXX. Not knowing really how much the debt was, i made payments to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all in the amount of {$50.00} per transaction. I was unable to make another payment until XXXX, XXXX. XXXX XXXX is now stating I still owe $ XXXXand that they have no record of receiving any of my first 5 payments. They also can not explain why the amount owed is more than what Chase states I owe. I tried to resolve this with XXXX XXXX, with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX XXXX '' continues to report on my credit profile. I have sent disputes directly to them and have not received any response far past the 30 days stated under the FCRA. Furthermore, they failed to provide me my XXXX authorization consent as well as failed to : -Validate the alleged debt - Provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-C

ease any cre dit bureau reporting until the debt has been validated by me. -Explain and show me how you calculated what you say I owe. -Provide me with copies of any documentation that show I agr eed to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX  furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX NA XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Complaint : Nationstar Mortgage Loan # XXXX Complaint Date Filed : XXXX XXXX, 2016, XXXX XXXX On Wednesday, XXXX XXXX, 2016, I received a letter from Nationstar Mortgage. The letter ( see attached ), dated XXXX XXXX, 2016, informed me of an updated Dedicated Loan Specialist to assist me. The name of the updated Dedicated Loan Specialist, XXXX XXXX. 

I have been working with XXXX XXXX since XXXX XXXX, 2016. Call and E-mail communication from XXXX XXXX, 2016, sent to XXXXXXXXXXXX : Follow up to my call and message I left on Friday, XXXX XXXX, 2016, XXXX Hello XXXX XXXX As per XXXX, Customer Relations Specialist, letter dated XXXX XXXX, 2016, CFPB Case Number XXXX, you are my Single Point of Contact. 
Please E-mail me detailed instructions for all needed paperwork for loan modification assistance, all documentation needed XXXX. 
Thank you! 

What does this letter mean? 
Why am I being informed of an " updated '' Dedicated Loan Specialist, when I have been working with such " specialist '' since XXXX? 
What is happening to my previously submitted documentation?
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I was charged 2 overdraft fees in the amount of $ XXXX/fee by their manipulation post dates on my direct deposits and charges.
Product: Student loan

EDFinancial Services LLC opened two different student loans for someone posing with my name and SSN in XX/XX/XXXX. I already had a credit freeze on all of my credit in XXXX because I was a victim of identity theft previously in XXXX. No one should be opening credit in my name without checking my credit report - if a creditor were to do that, they would see my credit is frozen and not open the new credit account/loan. EDFinancial Services did not check my credit. Instead, they opened up two loans for someone to attend XXXX XXXX XXXX XXXX in Louisiana. I have never been to XXXX XXXX, I have never lived in Louisiana. If EDFinancial Services had checked my credit report, they would have seen that I have had the same address in XXXXXXXX XXXX  for the last 10 years. I have been employed by the same employer in XXXXXXXX XXXX for the last 8 years. EDFinancial Services allowed someone to fraudulently use my name and SSN to open up new lines of credit because they do not run credit checks on applicants. They should change their policy. This will continue to happen. They are being scammed through this loophole in their practice and policy and they will continue to be scammed. It is not right that I have to jump through hoops to prove that I did not open those loans and did not attend community college in Louisiana last summer. EDFinancial Services allowed me to become the victim of identity theft again- and while I have a credit freeze on my account. It is not right and I want to warn others that this is happening and will continue to happen.
Product: Student loan

I am requesting FULL VALIDATION of the debt. I do n't want an account summary.
Product: Credit reporting or other personal consumer reports

Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it XXXX concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. XXXX XXXX XXXX Account # : XXXX * XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX *XXXX XXXX XXXX XXXX Account # : XXXX *XXXX  Account XXXX XXXX XXXX * XXXX XXXX XXXX  Account # : XXXX I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
XXXX requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX vXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Your response should to me should include the following at a minimum. 
XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXX What certified documents were reviewed to conclude your investigation? 
XXXX Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXX What did it cost your company to obtain the documents needed to complete your investigation? 
XXXX Please provide proof of your timely procurement of certified documents. 
XXXX Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
XXXX XXXX was their position? 
v What telephone number did you call? 
vi XXXX is the name of the employee of your company that spoke directly to the above party? 
XXXX XXXX is the position of the employee of your company that spoke directly to the above party? 
XXXX XXXX long has that employee been employed by your company? 
XXXX XXXX formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
XXXX Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXX Provide the date of the commencement of delinquency. 
XXXX Provide the SPECIFIC date reporting that these items will cease.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or list of inquiries 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 card

The American Express Blue Cash Everyday Card offering brochure claims " Cash Back '' multiple times ( 5 times ) in its description of the incentives ; however, the " fine print '' states that " cash back '' is provided " in the form of Blue Cash Reward Dollars ( reward dollars ) ''. This is clearly false advertising and misrepresentation of the term " cash back '' employed throughout the descriptive attachments provided by American Express in its Blue Cash Everyday Card application package. American Express should be required to withdraw all related documents to the Blue Cash Everyday card, revise all documentation to eliminate all references to " cash back '' ( since they NEVER intend to provide the customer with cash ) and be subject to a penalty for the false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX XXXX today XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Credit reporting or other personal consumer reports

Re : Identity Verification required -1 To process your request and protect the confidentiality of your credit report, please send us proof documentation for one or more of the below pieces of personally identifiable information, as identified in the regarding line above : 1. Social Security Number A document that shows your social security number. 
Examples include : - Social Security Card - Letter from the Social Security Administration - Current Driver 's License or State Identification Card which includes your full social security number 2. Legal Name Change This includes requests for marriage, divorce, and transgender name changes. The document must reflect both your previous and your new legal name. 
Examples include : - Court Order Regarding Name Change - Marriage License - Divorce Decree XXXX. Updates to Existing Name This includes requests to correct spelling and add a middle name or generational suffix. The document must reflect the requested name. 
XXXX XXXX what should i do
Product: Credit card or prepaid card

I have been patiently waiting on the Bureaus ' response to the written requests I sent with regards to WELLS FARGO BANK with account number XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Product: Debt collection

In XXXX when I came back from the military I was contacted by a debt collector, for a balance from synchrony bank. I set up a payment plan, paid off my debt, and received a letter from the debt collectors stating that it was paid off in XXXX. For the past couple of weeks, synchrony bank has been constantly calling me and harassing me about paying for something that is no longer owed, I've informed them that it was paid off and that they needed to stop contacting me. Their number is on the block list, however, I'm still receiving calls and emails from them.