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

I have a XXXX XXXX Credit Card with XXXX XXXX XXXX. On XX/XX/2016, I noticed an error on my payment history and it was not resolved until XX/XX/2016.I just check my credit report and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. I have paid this card off fully as agreed to by the credit card company but when I just checked my credit report this is showing as having 90 days past due in 2016. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX XXXX at XXXX and they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help in resolving this issue.
Product: Checking or savings account

In XXXX of XXXX our business discovered that we had been charged {$200.00} for XXXX XXXX XXXX. After looking into this, we have been paying a merchant processing fee to this company since XXXX of XXXX. We have a XXXX  store and have used square credit card processing since the first day. We have never received a processing terminal from them nor used their services. After calling and spending many many hours on the phone we have heard varying things from Peoples United Billing Services. One representative has stated that clearly this account was supposed to have been closed in XXXX of XXXX and we should receive a full refund as we have never used any of their services. They are alleging we signed some sort of contract which they are unable to provide. M & T Bank has now acquired Peoples United Bank and they are telling us that " fraud reporting '' can only go back 90 days. The total is {$2900.00} They are refusing to provide a contract because there never WAS a contract and this is fraudulent activity. We have little recourse because the company that is dealing with this issue OWNS the processing company
Product: Debt collection

Received a voicemail from from a an independent courier who said if I wasnt at my home or job to receive the legal papers she had that it would be a direct refusal & theyd begin an arrest process. When I called back at XXXX, the lady on the phone would not tell me what the company name was, just that they were a third party mediator of some sort. She then went on to tell me that this was regarding a balance on a credit card from Bank of America ( THAT I HAD FROM 2007 ). I was unable to pay back then due to financial difficulties but now that I have good credit I guess theyre wanting it & will go to any lengths to get it. This I was in a sheer panic before I called & now Im just angry. This is an abusive tactic & it needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via XXXX to them. TransUnion is willfully and recklessly reporting false information. The most recent attempt was received by TransUnion in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX  and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX XXXX XXXX TransUnion and XXXX  report late payment in XXXX. XXXX  reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX  XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX has removed this account, XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX   did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. Experian continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. Experian is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

XXXX. XXXX XXXX XXXX Bank Account # XXXX - Have disputed multiply times with all Transunion XXXX XXXX and XXXX. XXXX could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$510.00} Transunion nor XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 

XXXX. XXXX XXXX XXXX Account # XXXX Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX XXXX XXXX could NOT verify the account and deleted it. This account is still reporting a balance of {$850.00} and is reporting as an open collection. 
Transunion failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. Transunion XXXX XXXX could NOT verify this account and deleted it. This account is also marked as closed but is still reporting a balance of {$1100.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX Account # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX & Transunion could NOT verify the account and deleted it. This account is also marked as closed but is still reporting a balance of {$110.00} and a past due balance of {$110.00} XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 


XXXX. XXXX XXXX XXXX # XXXX - Have disputed multiply times with all Transunion, XXXX and XXXX. XXXX XXXX Transunion could NOT verify the account and deleted it. The last time the status of this account was updated was XX/XX/XXXX. Its XXXX of XXXX and XXXX failed to properly investigate this matter. Delete this account IMMEDIATELY!!! 



AND I also have NEVER worked at XXXX XXXX nor XXXX XXXX I work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions Delete these accounts immediately, unless you want to be held {$1000.00} per violation. 

I have also mailed letters to the FCDPA and XXXX and each creditor and each credit bureau. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.
Product: Credit card

On about XXXX XXXX of this year I applied for and was approved for a Bank of America Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. 

On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. XXXX XXXX XXXXXXXX The credit bureaus violated my given rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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.
Product: Credit reporting or other personal consumer reports

I just found unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I always check my report, and now these discrepancies suddenly appeared. I even refreshed my browser, thinking it was a glitch, but nothing changed. Im extremely frustrated and need the documents Ive submitted to be thoroughly reviewed so I never have to deal with this kind of stress again.
Product: Vehicle loan or lease

Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Student loan

I started with aprox XXXX  in private loans, I've paid them XXXX over the last 10 years and I still owe more than XXXX. It's because they adjust my interest rates almost every month. I've had $ XXXX {$300.00} in remaining interest for at least 2 years as the constant increase in interest rates makes it so I'm never paying more than a few dollars in principal, it all goes to interest, every time. 
They have complete control over me, I called recently to ask if I could pay off the loan in full at a reduced amount and they said absoultely not. 
How am I ever suppose to repay this loan? 
Due to my debt in income ratio ( because of these loans as my credit score is over XXXX ) I am unable to refinance this loan to get a fixed rate. 
I've already been forced to file bankruptcy as I couldn't pay off a small amount of credit card debt due to the fact that I stay current of my loans since my mother co-signed. There's literally no end in sight to this madness.
Product: Mortgage

My payment amount changed effective XX/XX/2024 as a result of an escrow shortgage. I never received notification from PHH of this change or a phone call. When my payment was received by PHH it was placed into suspense and not applied, as a result, my payment was reported late. The lender should have returned my payment since it was short to allow me to pay the payment and not reflect on my credit report or applied the payment short. This is not fair and I am asking the lender to remove this item as a default from my credit report.

The representative that I spoke to said that my billing statement regarding the funds in suspense was sent to my mailing address, however, based on the statement attached it was sent to the investment property. I had no knowledge of this change.
Product: Debt collection

I received a letter today from Associated Credit Services for a debt from XXXX XXXX XXXX XXXX account number XXXX that was sold to them from XXXX XXXX XXXX from XXXX all of this is on the letter. in the amount of {$10000.00} this debt is not mine nor have I ever had an account with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and found out this a account from a restaurant XXXX XXXX that is no longer in business and this was an business account. Nevertheless the account does not belong to me. I have asked them to send me the contract to no avail they claim to not have it yet these companies keep contacting me for an account that isn't mine. Until you can send me a contract showing that I had an equipment order purchase for a restaurant like the rep tried telling me at XXXX XXXX then stop contacting me. I have a right to see any and all contracts that you claim to be in my name as proof of debt which I have asked for over the years on numerous occasions.
Product: Credit card or prepaid card

On XX/XX/XXXX I went into the Zions Bank XXXX XXXX XXXX Branch located at XXXX XXXX. There I met with XXXX XXXX ( Branch Manager ) to apply for the Zions Bank Amazing Cash Credit Card. The card promotion was if you spent {$7500.00} in 90 days you would receive a {$1000.00} cash back bonus. 
I checked with MsXXXX XXXX to make sure I was eligible for the promotion before applying and getting approved on that day. She confirmed that I would be eligible for the offer. 

I met the terms and conditions of the promotion, but I did not receive the bonus in my account after several months. I called the Zions Bank Customer Service Department at XXXX and was told I was not eligible for that promotion because I had previously had a similar card. 

I went into the branch to talk with Ms. XXXX who was surprised that I had not received the bonus and was confused why I was being told that I was ineligible. She called the VISA promotion office to confirm that I had met the terms and explained to them that when she had been trained on the specifics of this offer there was no mention of restrictions on not being eligible because of a similar card we had previously. They indicated theyd look further into the issue. 

I followed up a week later and she had received no response concerning a follow-up email she had sent the Visa Card Promotion office. She said she would send another email. I  followed up a week later and she had not received any response yet again. 

I felt like I was getting the run around. At this point I asked for copies of the documents we signed indicating this stipulation or I would have to file a complaint with the CFPB. She said she would call and get in touch with someone at the Visa Promotion Office and get back to me that day. 

When she called back she said I WAS eligible but that Visa had 90 days from the time the promotion ended to pay the bonus and that I should see the money in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX, the bonus has not posted to my account and after months of calling, going into the branch and waiting I feel like I have done my due diligence in dealing directly with Zions Bank on this matter. In good faith I signed up for this credit card, met the terms and conditions Zions Bank provided me to receive this bonus, and have exhausted other options in resolving this issue.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am contacting you regarding multiple fraudulent accounts reported under my name that I do not recognize or authorize. Despite my repeated attempts to address this directly with each financial institution involved, I have not received adequate support or resolution, leaving me vulnerable to potential financial harm and impacting my credit. 

The accounts in question were opened without my knowledge or consent, constituting identity theft and fraud. I have taken all possible steps on my end to dispute these accounts, but each institution has failed to investigate or address these issues fully. As a result, this has placed undue stress on my financial standing and personal reputation. 

I request that the CFPB take action to investigate this situation thoroughly. I am seeking assistance in having these fraudulent accounts permanently removed from my credit history and preventing further reporting of unauthorized activity under my name. 

I am committed to providing any documentation or additional information needed to support this case and protect my rights as a consumer. Your assistance in resolving this matter swiftly and effectively is urgently needed. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for actions they took in XXXX regarding student loan debts from XXXX. I was sued by these entities in XX/XX/XXXX for loans I was unaware of and for which I have been making payments under a settlement agreement arranged by my attorney. 

I would like to bring to your attention the following details : Lawsuit Details : I was sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XX/XX/XXXX. These loans date back to XXXX, and I was completely unaware of any outstanding obligations at the time. The lawsuit came more than XXXX years after the alleged loans were originated. 

Bankruptcy Discharge : I filed for bankruptcy, which was discharged in XXXX. I was under the impression that these loans were included in the discharge. However, I later discovered that the loan holders attempted to collect the debt well after the bankruptcy discharge and several years of inactivity. 

Payment Plan : To resolve the matter and avoid further litigation, I worked with my attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. He negotiated a settlement plan whereby I agreed to a payment schedule of {$25.00} per month for each case involved, totaling {$50.00} per month. This was to prevent any further legal action from being taken against me. 

Given the long period of inactivity and my bankruptcy discharge, I would like to understand if the actions of these companies, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, are in compliance with relevant consumer protection laws, including the Fair Debt Collection Practices Act and the Bankruptcy Code. 

I request that the CFPB investigate this matter to determine whether any violations occurred, and if so, to assist in holding the appropriate parties accountable. 

Thank you for your time and attention to this issue. Please let me know if you require any further documentation or information
Product: Debt collection

I have no knowledge of this debt. No one has provided me with anything showing what this is for or my signature. I only lived in XXXX for the past XXXX  years