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

Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Equifax XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Equifax credit file of XXXX XXXX XXXX XXXX Consumer.
Product: Debt collection

In 2014 I was at an apartment and I was ending my lease, I contacted the Electric company " XXXX XXXX XXXX '' now the debt is on AARGON COLLECTION AGEN and after letting them know, and was zeroed out on my balance, left the apartment. I then seen on my XXXX XXXX they were coming after a debt. I was told after contacting the company that they never closed my account! I had a large bill then just sitting and affecting my credit score. Please remove this! I believe the homeless problem is rampant and the only way the electric bill even racked up to the amount of " {$1000.00} '' was either a homeless person saw the empty apartment and came in, or the new tenants were riding the " free '' electric. Therefore I would call this identity theft, despite it just being the mistake of the customer service at the electric company, now in AARGON COLLECTION AGEN. Thank you so much in advance for any help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Mortgage

I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX2017 I submitted a wire transfer to satisfy my loans in full. It went through XXXX XXXX XXXX which immediately funds the credits in the same business day. As it is customary for the XXXX XXXX XXXX  to provide real-time gross settlement. XXXX XXXX XXXX uses a system that enable its participants to initiate funds transfers that are immediate, final, and irrevocable once processed. 

NOTE : I kept a eye on my account during the four- five day processing time it took to verify my credits were available. It was a weekend that 's supposedly why it was longer than usual. So on Tuesday of this week I reviewed my dashboard and found that every thing was verified and correctly updated. Student loan paid in full. As it should read. 

Two days later they reversed it and refused my payment. saying that my information was incorrect. So i called and spoke with a representative that informed me that they did indeed receive the credits from the sending bank, but had to refuse because my routing number was incorrect. I know this is false because as stated above, the wire is instantaneous. 

https : //www.federalreserve.govXXXX If you take someone to court over a {$100.00} dispute because the person who owed you paid you the equivalent in jelly beans ; its pretty much your choice to accept or refuse payment. The thing is that you were reciprocated with a offer, yet refused. 

Debt discharged. 
So. Since they
Product: Credit reporting, credit repair services, or other personal consumer reports

WALMART CREDIT CARD Issued a credit card on my name without my autorization and reported to the 3 credit bureaus damaging my credit.They never talk to me about this card and I never disclosed my social security number to them. 

My son only request a user card for me, but did not mean they had access to my credit without autorization or responsable for this accounts either. This credit card has lower my scores dramatically. ( XXXX points ) from my last credit report. 

Last night I went to monitor my credit ( XX/XX/2018 ) with my bank ID alert and I was in shock with this issue. My son call Walmart customer service last night and today XX/XX/2018 ) to removed me from his accounts and fixed that error with the credit bureaus. 

Walmart never should issue a card without autorization of person involved, even if it is additional card.
Product: Credit card or prepaid card

I have been trying to resolve a dispute that has bee mishandled by USAA. During this process, I asked USAA to alternatively issue a miscellaneous credit to my account instead of continuing to mishandle the dispute. 

I was told it was " impossible '' for USAA to do that. The representative I spoke with, who claimed to go my the name of " XXXX '' reiterated that not a single employee at USAA has the ability to issue any sort of account credit or an adjustment to an account. I again asked if she stood my this claim to which she confirmed - It is an impossible act for any person at USAA to issue any sort of credit to my account. 

I do not believe this. I suspect I have been lied to. I asked for specific reasoning and was told " that is not how the system works. '' I do not accept this explanation. I feel misled and misinformed by the products offered by USAA and request a canonical explanation addressing the possibility in issuing an adjustment to account. 

Further, I feel retaliated against for making complaints to the CFPB, as the associate became observably frustrated with my continued attempts for clarification despite her continuing to either provide misleading out contradictory answers. An example of contraction came within her various statements such as " it would have to be a fee or a dispute for an adjustment '' which suggests the possibility to issue adjustments. Further, my account does contain an ongoing dispute, so issuing an adjustment with a dispute as a basis confirms the possibility of adjusting the account. 

I've been lied to and USAA is continuing to egregiously mishandle my credit card dispute.
Product: Debt collection

This company reported an account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/2021, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX as well. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  Account # XXXX DEPT OF ED/XXXX  Account XXXX XXXX, has violated my rights. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

CREDIT COLLECTIONS SERVICES ( 06 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my issue with XXXX  numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX  report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I see proper redress for these violations.
Product: Vehicle loan or lease

Wells Fargo Repossessed my car last week ( XX/XX/2022 ) and it hadn't been past XXXX  days late!! I had to pay an extra XXXX dollars in repossession fees just to get my car back and I only have XXXX payments left. I have consistently given them money at least every other week. I am disappointed in this company so much. I will never use them again.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a billing error dispute for my XXXX  XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX  XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
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. 
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 section 2 A. 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 a may make any consumer report containing any of the following items of information any other adverse item of information, other than records other than records of convictions of crimes which antedates the report by mored then 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX XXXXE on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

DiscoverCard tagged XXXX as a duplicate which is in violation of law for falsifying data reported to a U.S. Government website.
Product: Debt collection

My credit report alerted me about debt collection, this account is not mine, identity theft most likely. 
Company name Genesis credit management Original creditor XXXX XXXXXXXX XXXX XXXXXXXX ( rental/leasing ) XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX PATE OPENED XX/XX/2023 AMOUNT {$65000.00} XXXX CONTACTED XXXX DIRECTLY. THEY STATED I NEEDED TO FILE A COMPLAINT AND FOLLOW THEIR PROCESS.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made 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 in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I received a phone call from Critical Resolution Mediation LLC on XX/XX/XXXX  informing me that I owed a debt on a credit card from XX/XX/XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. CRM e-mailed me a letter that gave me the original account number for the account and their representative gave me XXXX  banks phone number. I called the bank and was told that account has never existed. When I called CRM back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Product: Debt collection

Greetings, There is a company name XXXX XXXX , XXXX who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Product: Debt collection

I have been put on probation at work for the continuous calls. I work for a call center and they 're constantly calling the call center getting transferred to rep to rep, looking for me which management has asked them to stop, they continue. If I lose my job because of this I want to take further action against them. Calling my cell phone is okay but harassing me at work is not.
Product: Payday loan, title loan, or personal loan

I took out a short term payday loan with this company. I did not realize they had no recourse for early payoff and would make me pay a total of 20 payments in the amount of XXXX. I borrowed only {$650.00}. When my paydate came at an incovienent time, I tried to resolve it by asking for a 4 day extension of my payment. To this date I have make 5 payments of {$190.00}. I was told I could skip one payment but they did not tell me until it was too late and loan payment was being processed through my bank. The payment was returned and I had already explained that would be the case and I could not control it. So far I have paid over {$960.00}. I understand they need to make money, but the fees are exorbitant and present a hardship for me. It is my error, but I also have never encountered a situation where there was no reduction in payment for early payoff. I am happy to pay what I borrowed, but I don't think paying over {$3000.00} makes complete sense. At this point they are saying I still owe over {$2900.00}. I am not naive to payday loans, and its not always the best use of my money, but it was a circumstance that I needed to borrow the funds. Is there any recourse for this situation that can help to mitigate these high charges.
Product: Vehicle loan or lease

Ive been with Bridgecrest for several years they are fraudulently charging me NSF fees when I havent bounced any payments. When I called customer service today XX/XX/2023 asking them about the charges they said they wasnt showing that on their end however, I see it clear as day from my payment history. They refused to give me a answer and this has been going on for several years now.
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, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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.