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

On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. 
My information was part of this loss. 
Equifax did not take proper preventative measures to prevent the unauthorized release of my personal information.
Product: Debt collection

For over the last two years, I have been in a dispute with ATT and their collection agencies. They have charged me for past due balances that were never due. In fact, I continued to keep service with them. I have attempted to resolve this issue with them but they insist on sending various amounts to various different collection agencies. I believe separate accounts we set up during my transitions between residences. Due to XXXX rules, XXXX had to create different accounts rather than roll them over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Experian had reported on my credit report that XXXX XXXX XXXX had closed my credit card account. Due to financial issues, I was unable to keep up with the payments. Once the account was closed, my credit score took a hit which I had expected. On XX/XX/XXXX, it was reported on my credit report my XXXX XXXX XXXX XXXX  was 30 days past due. On XX/XX/XXXX, it was reported that the same credit card was now 60 days past due. One XX/XX/XXXX, XXXX XXXX was reporting my credit card is now 90 days past due. My credit decreased once they closed the account and now has been being decreased the last 90days on a closed credit card account. I have had other credit cards closed in the past but never have they reported past due on my credit report after the account was closed by the creditor. I don't understand how they are reporting past due every month on a closed credit card account when it was already past due before they closed the account which caused the account closure. Now they are decreasing my credit score several times which is unfair credit reporting.
Product: Credit card or prepaid card

XXXX XXXX Opened Barclays XXXX XXXX credit card with $ XXXX spend ( in 3 months ) for XXXX miles bonus and {$99.00} annual fee statement credit. 
XXXX XXXX XXXX XXXX XXXX  spend requirement XXXX  - {$99.00} annual fee statement credit posted with statement close. XXXX miles bonus did not post. 
XXXX  - Messages to Customer Service Reps ( CSR ) inquiring about bonus not posting. CSR indicated it could post on the statement when qualified requirements are met. 
XXXX   - Inquire again as miles still do not show pending in my Barclays account. CSR says wait 6-8 weeks per Terms & Conditions. 
XXXX  - Inquire again after specified time frame since meeting requirements. CSR indicates I did not meet requirements, but I did. CSR opened investigation to take another 30 business days and I still do not see anything another couple of weeks in.
Product: Bank account or service

I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.
Product: Credit card or prepaid card

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Credit card

Both of my capitol one credit card accounts are restricted. I can not get a reason why nor have this restriction lifted so I can use my cards.
Product: Debt collection

A man named XXXX XXXX called my work and left a message on an administrative assistant 's voice mail. The voicemail was forwarded to my phone. When I returned the call, thinking it was work related, the lady on the other end refused to tell me what GC Services do or why XXXX was calling. When pressed she stated it was a financial services company. I asked what that means and listed off a number of financial services that she might be referring to. She declined to admit she was a bill collector. XXXX was the number left and GC Services was the company name. I have no way of knowing what may have been said to my employer but I plan to take legal action. I will not be calling XXXX back in 45 minutes as instructed and if he calls my work again, I will save the message this time. I will never be able to pay off any debt if greedy companies keep calling my employer and XXXX up my employment situation. My phone number is posted on XXXX, XXXX, XXXX, etc. etc, it is everywhere and totally available to anyone so calling my work is not only not necessary, it 's illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Product: Checking or savings account

XX/XX/2021 Discover Bank called me to alert me about suspicious activity on my checking account via mobile deposit. After confirming that I did not make an attempt to deposit the item for {$2300.00} the agent recommended closing the account & opening another. I explained that a deposit from TN department of labor was due to be deposited the next day for {$3600.00}. The agent ( XXXX ) then said that she could freeze the existing account & wait to close it until after the deposit. I agreed. I called to follow up yesterday as the deposit hit as expected. The agent I spoke to was unable to close the account due to items not fully posted. I was instructed to call back today. I called back today & not only am I not able to open a new account. The agent closed my existing account & will not return my money. 
The balance prior to the {$3600.00} deposit was {$130.00}. My total funds due to me are {$3700.00}. I expect this to be expedited immediately as this is work compensation & federal funding. I do not care to do business with them anymore, they can close whatever they want. I want my money immediately. They can not garnish my money & do not have a court order. Since I no longer have access to the account I can not see what is being done with my funds which are exactly that, my funds.
Product: Debt collection

on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon
Product: Mortgage

I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in the amount of {$1700.00}. At the time, XXXX was advertising 0 % financing for their XXXX products when you applied for their Apple Card. However, they did not and I was forced to pay the for the XXXX and applicable interest ( 21.99 % ). On XX/XX/XXXX I received an e-mail from XXXX regarding their financing informing me that if I had purchased an XXXX product expecting to receive a monthly installment that I should contact XXXX before XX/XX/XXXX in order to convert the purchase into an installment plan by contacting an XXXX Support specialist. 

Today, XX/XX/XXXX, I contacted XXXX Support requesting that the purchase be converted to an installment plan, but the support specialist, XXXX informed me that since it had been over a year from my purchase, the device would not be eligible to be converted to a payment plan. The e-mail that I received does not specify that purchases had to be made within a certain period of time which I believe should be stated.
Product: Debt collection

I have written a few letters to this collection agency and they have removed the invalidated account from XXXX however, they have ignored my attempts to properly validate this account. I have attached the letters I sent them but have not received anything back from them.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that I became aware of the existence of the following Navy Federal Credit Union accounts when I received a notification indicating that my Social Security number and other personal information had been compromised and was found on the dark web. This discovery alerted me to the possibility that my identity had been stolen and misused.

The Navy Federal Credit Union accounts in question, which I did not authorize, include : 1. Navy Federal Credit Union Status : Charged off, {$6400.00} written off 2. Navy Federal Credit Union Status : Charged off, {$1600.00} written off I did not open, authorize, or use either of the accounts listed above, nor did I consent to anyone else using my personal information to do so. These accounts were created or accessed fraudulently using my stolen identity.

I request an immediate investigation into these accounts and for them to be flagged as fraudulent. Please remove these accounts from my credit report and ensure that any balances or negative entries do not impact my credit score.
Product: Debt collection

I decided to consolidate my bills due to financial situations I could not control.  I contacted XXXX XXXX XXXX to see what options I had in this matter and decided to go with the company.  I was informed no to have contact with my credit card companies because they would be taking over from that point.  I have been receiving seven to eight calls a day but the once I received a call on my job I felt this has gone too far.  The number that showed up was an XXXX number and a recorded message said, Please hold the line while I connect you I waited and the person on the other end said is XXXX XXXX and I said it is pronounced XXXX.   He went on to say he was from Synchrony Bank and asked about a payment, I told the man that I had consolidated my bills and during this time, I had customers and co-workers within a foot from my desk.  I tried to whisper because I did not want everyone to know my business but it keep replying, what did you say as if he could not hear me.  I told him that I have told you once and provided the number.  He told me that he was not calling and informed me of a payment that was do and again I gave him the same information and told him he cant hear because his phone keeps clicking.  I started to get upset and my tone was beginning to change so I hung up.   When I got off the phone, I was embarrassed.   While I was sending this complaint, I received another call.  I NEED my job!

Contacted my job dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Contacted my cell: XX/XX/XXXX , XX/XX/XXXX (6x)   XX/XX/XXXX (9x)  XX/XX/XXXX (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX (6x)  XX/XX/XXXX (8x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (10x) XX/XX/XXXX  (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (4x)   XX/XX/XXXX  (1x) so far
Product: Credit card or prepaid card

In XX/XX/2019 I opened an account with the store XXXX XXXX XXXX with the belief I would receive 12 month promotional financing for the purchase of cabinets which was advertised on the stores website. After the purchase of {$1500.00} I found out on the bank website, Synchrony bank who did the financing, I received 6 months financing. The last payment I made was on XX/XX/2019 however the payment was made electronically and was not posted until 4 days after the promotion expired. Now I am being charged {$170.00} in interest fees. This is undoubtedly false advertising and the store is at fault.
Product: Debt collection

D & A Collector Company calling at work. They are not allow to called my work for personal matter.
Product: Debt collection

YOUR COMPLAINT I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Equifax credit breau and the creditors that pull my file and they summit the inquiries as fraud and yet Equifax remain it on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries 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 XXXXXXXX XXXX XXXXXXXX XXXX 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.

5 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
Product: Credit card or prepaid card

My family and I traveled to XXXX in XXXX XXXX. While in XXXX, my daughters bag was lost by the airline and subsequently delivered 6 days later. When the bag was reported lost, we called Chase Credit Card, since our tickets were purchased on the card and a benefit of the card was that they would reimburse me {$100.00} for every day the bag was delayed. I was told that they would only pay if the airline did not pay me a reimbursement as well. As a result, I did not file a complaint / claim with the airline. For 3 months, the bank has stalled, lied and completely mishandled my claim. They finally came back and told me that they could not pay because I did not get a letter from the airline stating that the airline did not pay me. When I finally got the statement from the airline, I am being told that they are still unwilling to pay. They have reviewed all my documents, over and over and over, and each time attempt to stall me. Their behavior and subsequent customer service clearly indicate a deliberate effort to stall, dodge and avoid making payments. This is a clear violation of their terms in word and spirit. The expenses were exactly per the instructions the customer representative gave us when we called for direction while still on our trip. Clothing, shoes, bag and toiletries. I have submitted all these expenses.
Product: Debt collection

On XXXX XXXX,2017 I switched my mobile phone service from XXXX to their wholly owned subsidiary XXXX and thus began a nightmare of trying to deal with XXXX. 
Shortly after moving my account I received an email from XXXX acknowledging the move and stating I would owe them {$440.00} On XX/XX/XXXX. I assumed it was just an accounting error and thought nothing more of it but on XX/XX/XXXX, XXXX did, in fact, deduct that money from my account. I tried contacting their " customer service '' XXXX number but was told that I was no longer a XXXX customer so the charges must have come from XXXX. I explained that I was looking at my online bank account & it showed the money was paid to XXXX. I also communicated with the associate that I had never given XXXX permission to take money from my checking account so I questioned the legality of their doing so. 
I received a subsequent email from XXXX indicating I had paid the {$440.00} and would now owe {$42.00} on XX/XX/XXXX. I tried again to communicate with " customer service '' at XXXX. Nothing came of that attempt but further frustration except the associate removed the permission that was noted on my account that they could deduct payments from my checking account. 

Then I started getting notices that I was in arrears on the monthly payments and still no explanation as to what I would have an ongoing monthly obligation to a company I had ceased to do business with in XX/XX/XXXX. 

When, by their records, I had " missed '' three payments, I received a letter from XXXX XXXX XXXX stating they would be pursuing debt collection actions. That letter gave me the option of submitting a denial of the legitimacy of the debt. I provided them with all my documentation of attempt to dispute the account with XXXX 2 letters, copies of emails and a live chat with one of XXXX representative. On XX/XX/XXXX I received a letter from XXXX XXXX indicating the had received and reviewed my documentation and would arrange to cease their collection efforts. I assumed that would be the end of the matter. 

Then last week I received a letter from Receivables Performance Management , LLC stating they would be taking debt collection action on my account on behalf of XXXX. I have taken the time to provide them with my documentation as well. My concern, as you can imagine, is that if RPM, LLC agrees that I legitimately dispute these charges that XXXX will simply send the claim to another of what must be thousands of debt collection agencies in the USA.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I am AGAIN disputing the following information that DOES NOT appear on my Experian consumer report : XXXX XXXX XXXX XXXX lending account number XXXX This account is not being reported on my Experian credit file The account was opened XX/XX/XXXX For the past two years I have tried in vain to get Experian to verify and report my XXXX XXXX mortgage payment history of over 13 years. I have had the XXXX XXXX mortgage since XXXX with an excellent payment history. I have repeatedly sent documentation from XXXX XXXX showing they are reporting to Experian yet no matter what proof I send, Experian still refuses to report my mortgage history. I previously filed a complaint with the consumer financial protection bureau and XXXX XXXX responded stating they don't allow personal reporting to credit files. This made no sense as I was not attempting to personally report but trying to get Experian to verify my XXXX XXXX account and actually report it as they should. I even hired a credit consulting firm who tried in vain for a year to get Experian to report but still nothing. 
On XX/XX/XXXX I sent several documents to Experian proving my XXXX XXXX mortgage history and I have received no response back. I am NOT attempting to personally report my mortgage history, but am trying to get Experian to verify and report it based on ALL the many documents I have provided proving my mortgage history. XXXX and XXXX XXXX both report my mortgage history. 
This error of not reporting my mortgage account kas kept my FICO score at least XXXX points lower than XXXX XXXX and XXXX. I was turned down for a loan due to insufficient credit history on my Experian report.