23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a " We saw you missed a payment '' email communication from Citi on XX/XX/XXXX at XXXX. The email specifically states, " We noticed you didn't make a payment by XX/XX/XXXX. '' I checked my online account with them and the payment was made in XXXX parts- XXXX on XX/XX/XXXX and the second on XX/XX/XXXX. The actual due date for the payment was XX/XX/XXXX so it was completed 3 days early. So, I was not past due. I called and spoke with " XXXX '' ( would not supply a ref or employee number ) on XX/XX/XXXX at XXXX EST. I was first told that it was shown I made the payment and I could disregard the email. I pressed further since the email states I MISSED a payment. I was placed on hold and when he returned, I was told it was an automated email and again, to disregard. I explained I wanted to make sure it was not reported to the credit agencies since I have never been late on a payment. Again, placed on hold and when he returned, he said he agreed the account was in good standing and just to disregard the email as they were automated and " sent out to all customers when due dates are approaching. '' Again, I made the payment on XX/XX/XXXX and was not due until XX/XX/XXXX and not due again until XXXX. I asked for a supervisor. Was told none were available. I then asked to be removed from the automated emails if they were sending out incorrect emails in mass. I was placed on hold. When he returned, I was told that was not possible. I asked for a supervisor again since you can not send out automated past due emails to your customers when they are not past due. On hold again and when he returned, I was told a coworker said they could turn off the emails " temporarily '' but that was it. I asked again about speaking with a supervisor because I felt the need to double check and since there was no indication that this was an accidental email. XXXX told me basically I could not speak to anyone else. I explained I would most likely be filing a complaint then because I was not getting my questions answered or getting assistance. I was told by him to " file whatever complaint I needed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back AFFIRM INC Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH AFFIRM WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD AUTO FINANCE it appears that you have turned Acct XXXX on my credit report into a charge off, but I never received the 1099. Can you be so kind to send me a 1099 for this actual item that has charged off due to my financial hardship?
Product: Debt collection

I got a call from Lakeside Recovery Solutions on XX/XX/2021, They stated I owed a debt that I had no recollection of I asked the guy there to send me proof of debt and he said they cant send it anymore because they have sent it as many times as he can. I have never received anything from them and he began to tell me I am being a narcissist and that since I am a business owner I should have no problem paying the debt. He began to say that he didn't care if I paid or not because the Lawyers were going to sue me and take even more money from me. He then said he is there to answer questions but when I began asking questions he started saying that I am just trying to get out of paying and one of the questions I asked he stated he answered the question when he first answered the phone and was extremely rude about it. I told the guy on the phone that they had rules as debt collectors that they needed to follow and he told me that he has been doing this longer then I have been alive and that I dont know what I am talking about. He also told me to go detail cars to go make more money. I believe this company is a scam, if they were willing to help people they wouldn't treat people the way the do. I would like a copy of the call transcripts from every conversation I had with them yesterday. First call was at XXXX second call at XXXX third call at XXXX and 4th call at XXXX. All calls took place on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple  Inquiry  removal Letter on  XXXX   XXXX ,   XXXX   by mail in order to dispute information, in regards t o 8 hard  inquiries, that was being reported on my credit report. They started my dispute on  XXXX / XXXX /  XXXX  , finished my dispute on  XXXX / XXXX /  XXXX  , and mailed a letter on  XXXX / XXXX /  XXXX  . The request that I submitted includ ed 8 Ha rd inquires that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor, '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not   investigate AND respond, the CRA must delete the disputed information from its files. The fact that it only took 4 days to investigate, one can assume that thee was no investigation into the matter. I plan to purchase a car here in the near future and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not a case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft Experian and XXXX XXXX have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.
Product: Debt collection

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Product: Money transfers

My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report. Upon reviewing my credit report, I discovered several accounts and addresses that do not belong to me. The fraudulent information includes the following : Fraud Names : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX Fraud Addresses : - XXXXXXXX XXXX XXXX  XXXX XXXX, MN XXXX - XXXX XXXX XXXX XXXX XXXX, MN XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fraud Accounts : XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX - Account number XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. XXXX XXXXXXXX XXXX - Account number XXXX Additionally, there is a record of XXXX XXXX bankruptcy discharged with the reference number XXXX. This bankruptcy does not belong to me and is a result of identity theft. 

I request that you investigate these fraudulent items and remove them from my credit report immediately. This information is damaging my credit score and is affecting my ability to obtain credit. 

Please note that the inclusion of this fraudulent information violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am entitled to a fair and accurate credit report, which includes the removal of fraudulent information. 

I have also filed a report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. I can provide this report to you upon request. 

Please inform me of the actions you will take to resolve this matter. You can reach me at XXXX to discuss this further. 

Thank you for your prompt attention to this matter.
Product: Credit card

In XXXX, I observed the company bundling two bills due, into one and stating that was the amount due. I called the company and they provided detailed information on how to approach the company. I wrote to them in XXXX and it didn't seem like they even looked into it. I have a degree in accounting and work in consumer finance. If a knowledgeable customer is asking for transparent billing, why would they not simply update their billing?
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following account from my file. 
XXXX XXXX XXXX XXXX
Product: Student loan

To whom it may concern on XX/XX/XXXX i spoke with a manager in regards to the two closed " XXXX '' account. I have documents stating that accounts are not reporting on my file, but i see it still reporting. I have documents from Equifax stating that the accounts were deleted but it still remains on my file. I am asking that the CFPB to remove the accounts as Equifax continually violate my FCRA 15USC ss 1681
Product: Credit card or prepaid card

I was notified today that my credit score was impacted due to going over the limit with my Commenity Overstock Credit Card and I logged into my statement and saw two charges for {$150.00} and one charge for {$410.00}. That is a total of {$720.00}!!!!! How can this possibly be ethical. I don't care what their justification is. This is literally ruining my life. How can they be so cruel, unfair and deceitful?
Product: Credit reporting or other personal consumer reports

.On about XX/XX/2024 I submitted the following affidavit and information to all three bureaus that my consumer report is being used without my authorization and I suspect identity theft is involved. I have not accessed my credit report or authorized any one or any business to pull my reports I filed bankruptcy for purposes of Identity theft.

I submitted my affidavit and information to the three bureaus along with my police report and have not received any responses. To the facts.my information and on my consumer, reports is being compromised as well as my identity. 
Enclosed you will find inquiries from the same repeat banks every couple of months there are over 30 inquiries from unauthorized banks and lenders without my knowledge and or authorization. 
I am requesting that all inquiries and negative information relating to these inquiries be removed I have placed a fraud alert on my credit report. 




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Product: Checking or savings account

I reached out to Robinhood this morning over their live support and have been waiting for XXXX hours now. I cant call anyone, no one is answering my chat, and theres no way for me to change my legal name on the account using the actions their automated responses said I need to take.
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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent
Product: Credit reporting or other personal consumer reports

I have several false credit inquiries on my credit report for auto financing from several different companies.
Product: Credit card or prepaid card

I attempt to use Amazon Pay to pay for products on XXXX XXXX   website. The transaction failed but it was recorded on Amazon Pay and charged back to the Amazon Store Card provided by bank Synchrony bank. Amazon Pay stated they refunded the money ( {$1000.00} ) but Synchrony bank stated they did not receive the refund from Amazon Pay and I will need to pay the amount. I did not receive any goods from  this transaction but I am being forced to pay for it by the bank ( Synchrony bank ).
Product: Student loan

I am trying to work through repayment options with Aidvantage. I first submitted a recalculation request, never received a confirmation in doing so and I am worried they will charge a late fee. 

I also tried to submit a payment while my loan was being reviewed using the same bank account I used before the XXXX deferment and they are now saying that I need to have my bank send them a letter because the previous payment was kicked back. There was no issue on my banking side so now I am unable to make any payments because their website wont accept it. 

All this happened on XX/XX/2023
Product: Debt collection

Debt Collector Company - AFNI Billing Company - XXXX Amount - XXXX Hi, i have a debt collection from afni regarding my XXXX account for the address which i left in XX/XX/2018 and as per XXXX internet was started again on the address and they i have to pay the amount .I provided them my lease agreement for the the place where i was staying but as per them even its mistake by them i owe them money .please help me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ed dept of Navient continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.