23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 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 XXXX ( 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Company claims to be part of us department of EDU.. 
On XX/XX/XXXX the ( REAL ) DEPARTMENT OF EDUCATION stated no loan nor debt in any amount is owed nor passed off to a collection agency Also stating that the information provided on my credit report is not associated with the department of education the phone number no address, JUST A NAME! there is no proof of contract. The reporting company has not done the due diligence of finding any contracts involved. Not researching the contact information of the company which has a phone number that is fraud This giving me a clear understanding of facts that my rights are being violated under the Fair credit reporting act. 

Opened XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU Second account involved : Opened XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU I used the contact information provided of which is claiming the debt and found out it to be fraud. I then contacted the department of education and found out no debt is owed, then reached out to the credit reporting agency who could not provide me with any proof of consent or contract of the debt claiming to be owed, false information with the title edu.. please be responsible and understanding the different levels of identity theft fraud and misuse of information .. ( FCRA ) Thank you!
Product: Mortgage

It is the third complaint that I place exactly the same. The SPS company responds to you that they have already sent the check but the check NEVER arrives, but the letter saying that they are going to send it does arrive. I think SPS is making fun of me and you with their answers
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX SSN : XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Investigation Request to Delete Credit Inquiries Dear Experian , I previously submitted a dispute regarding the information reported on my credit report, which your company received and investigated. For reference, my complaint number is XXXX, dated XX/XX/XXXX, XXXX have reason to believe that your investigation was not conducted in a reasonable manner. Therefore, I am invoking my rights under the Fair Credit Reporting Act, Section 611, and request that you provide me with the following information : The date you contacted the creditor.The contact information for the creditor.The name of the person who verified the item to you.The method of communication used to verify this information.Confirmation of whether the creditor provided you with my SSN, address, and date of birth.I am allowing 30 days from the date of this letter for you to complete this investigation and provide me with the requested information. Please send me an updated copy of my credit reports along with the results of your investigation upon completion. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My father passed away XX/XX/2019, my father had a money market account with capital one 360. She came into the bank in XX/XX/2019 with a fraudulent death certificate that she lied on she put down she was his wife. Showed them the death certificate and his drivers license that she took and the bank gave her a cashiers check with an undisclosed amount. When i asked them about why I spoke to XXXX, she stated that because she was a joint owner of my dads bank account they gave her the money. There was no POD or beneficiary noted on the money market account. I told them that it should of went to probate or next of kin not her. again they stated that because there was no one else and she was on his other account as a joint owner gave it to her. I am so upset because it was in his name only and she walks in with a death certificate that she lied about is not right. It should of went to probate.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.
Product: Checking or savings account

I deposited a check XX/XX/year> and still have not received funds for it. It says its been deposited into my account.
Product: Credit card

Kohls has reported negative and harmful statements to my character to the credit reporting agencies, as consumer and original creditor I would like all negative remarks of alleged late payments removed as I consumer extended my credit to kohls and they were paid in full up front. These alleged late payments are harmful to my character
Product: Credit reporting

I am a victim of identity theft, however I can not see what my social security number has been used for as I can not access my own credit report. I discovered that I was a victim though a background check that my employer conducted. 
I can not file a Identity Theft report at identitytheft.gov because I can not get my credit report. The only option available to me is to send an application by mail, which is time consuming considering the pressing nature of my situation.
Product: Payday loan, title loan, or personal loan

Was preapproved for up to 10k on or around XX/XX/XXXX Sent in all requested info and allowed them to run credit score. 
Told I did not qualify. 
Asked them then to remove credit score checks from my account .... they declined I wouldnt have let them run my report and get another ding if I new I wouldnt qualify
Product: Debt collection

ARS has violated my privacy. Your company has reported three hospital bills negatively on my consumer report. Neglecting my right to privacy has lead to me being denied treatment when gravely needed. Pursuant 15 USC 1681c ( 6 ) this furnished information should not include specific identifiers such as the name, address or nature of services provided. This error has undermined my confidence as a consumer because you are furnishing information that has caused me to experience discrimination based on health matters.
Product: Debt collection

On XX/XX/XXXX I contacted Wellsfargo card services in attempt to settle and resolve a previous closed account that had been charged off with a owed balance still remaining. On XX/XX/XXXX I spoke with someone and negotiated a settlement in the amount of {$370.00} and agreed to pay this amount in full on that same day. I used my bank debit card to pay the amount off IN FULL in the amount of {$370.00}. In return I asked they send me a receipt showing the balance had been paid and so they did also I was advised they would report to the credit bureau that the account had been settled and paid and it would be removed from my credit report. On XX/XX/XXXX I received a confirmation settlement letter from them stating the account had been paid off. I reached out that day and asked they again remove it from my credit report and I was advised it would be done. Fast forward to XX/XX/XXXX it is still on my credit as a negative impact and I again called and asked for them to remove it, I was assured it would be done. Its been over a month and my credit report is still showing a negative impact because of this credit card and its also not showing paid off when I have a receipt from Wellsfargo dated XX/XX/XXXX and also a settlement confirmation letter dated for XX/XX/XXXX saying its been settled and paid and I also have bank statements showing where I made the payment and it cleared my account. The confirmation number for the transaction is XXXX and the authorization # is XXXX. This is hindering me from purchasing my home even though I PAID THE DEBT OFF. This is unfair and not right. I need this removed off my credit asap. I have all the proper documentation from Wellsfargo sent to me showing its been settled and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$900.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Student loan

Multiple emails, calls and mail being sent to my address. Sending mail that doesnt even show the navient logo, name or address and when I open the mail its a piece of paper from them. I refinanced from Navient to XXXX and I am still getting threats from Navient. Navient is threating to get our state general attorney involved.
Product: Checking or savings account

Recieved email from Bank of America on XX/XX/ XXXX XXXX XXXXXXXX XXXX stating that an online banking account was opened. On XX/XX/2023, I received an email from XXXX XXXX ( a subsidiary of Bank of America ) stating that an application for a XXXX account is under review. At XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX XXXX to rectify the situation. They confirmed that the activity was fraudulent as the user entered my social security number, date of birth, address, and name. They closed the application and flagged my social security number to prevent users from making an account with it. The representative also informed me that this information would also be passed along to Bank of America. However, I received another email from Bank of America stating that an online banking account had be created on XX/XX/2023.
Product: Credit card or prepaid card

We made our monthly payment as we always do to American Express through our XXXX online bill pay on XX/XX/2023. It was paid electronically and left our account on XX/XX/2023. AMEX never posted it to our account. Despite providing proof of payment including the amount, trace ID, date and transaction ID along with a bank statement, they have closed the case four different times claiming we have not provided any documentation. Two agents told us they could see the payment but couldn't prove it should go to our account because some of the identifying account numbers were missing ( we have always only included the last 6 digits as it is presented on the statement ). They have also admitted that they see it but it says my name ( the wife ) and not my husband 's name ( we are both on the account and the checking account of origin is also a joint account ). We have even had a three way call with a XXXX XXXX  supervisor confirming that it is a legit payment and still AMEX continues to deny the payment exists. All we are asking at this point is to have the payment returned to the bank of origin if they can't connect it to an account. It seems absolutely illegal to hang on to money and not attach it to anyone 's account. The amount in question is {$2400.00}. Not a small amount of money! We are out of options.
Product: Vehicle loan or lease

I am again reaching out about this issue with Santander and my auto loan. They are claiming that I have not made the payment, that I have proof showing I did. Now they are claiming that I owe almost a XXXX dollars due to the claims of my none payment that was withdrawn from my bank account. I do not understand at all how there is not a single person who does not see the highlighted areas on the bank statements, showing payment was taken. I have my bank statements proving that I made that {$540.00} payment on XX/XX/2023. I dont understand how the bank statements are enough proof to back up the incorrect allegations that I did not pay my bill when it clearly shows I did. If it werent such a large amount of money withdrawn from My bank account by Santander, I wouldn't be so upset. But unfortunately, its not just {$100.00} of my money. Its XXXX dollars missing as well as the accusations of not making the payment that was withdrawn from my account. This is completely unacceptable. I will not just back down from this. I have proof the payment was indeed made on XX/XX/2023. It was actually withdrawn from my account twice. Which then caused a return of one of the two payments charged to my account. So can someone please tell me where in the world the XXXX dollars go that was in my account to cover one of the two payments withdrawn?!?
Product: Checking or savings account

Wells Fargo sent a notice that my account was over drafted. I sent funds from another checking account and transaction is still pending. Also charged {$35.00} for 3 transactions so the funds transferred over went to fees. Also have a notice from Wells Fargo of an extra day grace period. Per that notie Wells Fargo allowed another day to put funds into account. They did not adhere to this notice and assigned fees prematurely.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding three student loan accounts with DEPTEDXXXX that are incorrectly reporting a 90-day late payment for XX/XX/XXXX. Despite sending seven dispute letters over the past seven months, there has been no resolution, nor has any verification method been provided. The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Number:XXXX Date Opened : XX/XX/XXXXXXXX  There are no prior late payments on these accounts, making the 90-day late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. Please find attached my notarized affidavit and original dispute letter with date and time stamps.
Product: Debt collection

I spoke to CFPB Representative, XXXX, yesterday, XX/XX/2021, at XXXX XXXX ( CT ). I advised XXXX that I did not get responses from XXXX Credit Card a/k/a " Citi '' " Citibank ''. Well, this evening, I received an envelope with invoices and a letters from XXXX Credit Card XXXX " Citi '' " Citibank '' whom double charged my XXXX credit card account with a second charge on XX/XX/2021 that I did not make, I am disputing the charge! I purchased the XXXX XXXX XXXX XXXX XX/XX/2021 that are defective and delivered on XX/XX/2021. There is fraudulent activity on my XXXX account! XXXX XXXX, XXXX Credit Card a/k/a " Citi '' " Citibank '' has committed fraud on my Wayfair account. I did not make a charge on my XXXX account on XX/XX/2021, and, I am disputing the charge on my XXXX account. 

I did not make a second purchase from XXXX XXXX, in fact, I asked for my XXXX Credit Card to be closed. The XXXX Credit Card was opened to purchase the XXXX XXXX Dryer XXXX ONLY ; and, it was my one and only purchase on my Wayfair account! Again, I do not owe XXXX Credit Card a/k/a " Citi '' " Citibank '' money! XXXX Credit Card a/k/a " Citi '' " Citibank '' owes me XXXX refund, {$1400.00} ; then reversal of all finance charges, late fee charges, and repair my credit report with all credit reporting agency XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on Transunion and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( XXXX  ) Names : XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$59.00} ( XXXX, Experian, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXXXXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the Equifax breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.
Product: Debt collection

I received a letter in the mail XX/XX/XXXX, when I opened the letter, the first give away was the letter was dated XX/XX/XXXX. The letter stated that McCarthy, Burgess & Wolfe collection agency were trying to collect a debt for XXXX XXXX  XXXX for {$210.00}. Within 5 minutes of starting to read the letter, i get a phone call from this company saying it was a recorded line and they were trying to collect this debt, I explained to him that there was no debt owed and that I was going to call XXXX XXXX right then, he then proceeded to tell me that they will not talk to me about this matter since it was turned over to them, he kept pressuring me to pay this amount. After about 15 to 20 minutes of him pressuring me I hung up the phone and called XXXX XXXX which confirmed that there was no debt owed to them.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agency : XXXX is furnishing inaccurate information that violates my consumer rights under the FCRA. See Violation of FCRA below : Account Name : XXXX XXXX XXXX, Account Number : XXXX .... 
Original Creditor : XXXX XXXX  XXXX Late Payment : 30 days ( XX/XX/2018 ) - Violates FCRA 15 U.S.C 1681-S ( 2 ) ( 7 ) ( A ) ( I ) because financial institution did not provide a notice of such furnishing of " negative information '', in writing, to the customer 30 days prior or after the furnishing of " Negative Information '' on my consumer report. This is a clear violation of the FAIR CREDIT REPORTING ACT. The " Willful Noncompliance '' of XXXX has caused me damages to my character, capacity and reputation.