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

Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX XXXX  credit card erroneously put 2 late payments on my report. One for XXXX, 2021, and another for XXXX, 2021. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of 2021. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with Trans Union, XXXX, and XXXX since 2021 but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of XXXX. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of 2021 should not be there. Those XXXX late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}
Product: Debt collection

1, The debt collection communication violates federal law. The debt collector, UNITED COLLECTION BUREAU, called me at XXXX XXXX, XX/XX/XXXX and left a voicemail. I complained to them about the time but they called me again at XXXX amXXXX  XXXX. XXXX, and left a voicemail. The evidence is attached. 

2, The debt doesn't exist in the first place. Per the agreement between my insurance company and the hospital, if the hospital submits claims late, they should eat the cost themselves rather than collecting from me. A statement from my insurance company is attached.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXXXXXX had to replaced four different times in 2023, due to fraudulent activity three of those times and once when one of the credit unions, Transunion, incorrectly reported one of the new accounts as fraudulently opened. I've had the fourth and final replacemement card and account since XXXX and it's now late XXXX, and the credit line of {$9800.00} has still not been added back in to my total available credit and factored into my average credit age, which would increase it about six months as it's my third oldest account that I've had for fouteen and a half years. Transunion and XXXX still are reporting transactionsnand different closing balances each month, so how could the account possibly be closed if this is happening? XXXX doesn't appear to even have the card at all on their report. The statement for the account has closed four or five times since I received the fourth and final replacement card and account number in XXXX, so it's now been in excess of 120 days, let alone 30 or 90. I've spoken to XXXX XXXX, who issues this credit card on at least two ocassions in the past month or two, and they said that they are reporting it correctly and asked the credit bureaus to correct the account status on their reports. My complaint isn't with XXXX XXXX, it's with all three of the creit bureaus for still having it as a closed status, which is wrong, especially when they also report transactions and different closong balances each month, or not having it on its report at all in the case of XXXX, when i've had the most recent replacement card and account number more than four months.
Product: Credit reporting

I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The first time I used XXXX XXXX I tried to pay them off before they put me on the credit bureau in the middle of repayment. They turned me into the credit bureau for nonpayment. I still finish paying them and it ended up being a charge off with a XXXX balance, I was living in XXXX XXXX XXXX XXXX the first time this happened or I had an outstanding balance. The second time I had I use XXXX XXXX they were, I was living in XXXX, Texas in the XXXX XXXXXXXX XXXX XXXX XXXX. The second time I had I use XXXX XXXX. They were extremely aggressive, always threatening to terminate my service. Overcharging me with excessive billing Delivery charges and service fees told me if I needed help to go to XXXX XXXX. I would XXXX XXXX for help and they keep on saying that XXXX XXXX payments were late and then accruing late fees. As soon as my contract was ended, I found a new service provider, I paid XXXX XXXX monthly {$75.00} a month one month I paid {$70.00} XXXX XXXX and they immediately turned me into the credit bureau XXXX XXXX without my notification : written verbal, electronic mail, postal mail or otherwise they said they took me in at {$100.00}. I was unaware of that and I paid one more {$75.00} payment, I checked my credit history and it was there and I was not told it was there. I just was told by XXXX XXXX that my credit score had changed.
Product: Debt collection

The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.
Product: Debt collection

I recently checked my credit report on XX/XX/XXXX XXXX and saw a collection account on my credit that I never had. The collection is from Navy Federal Credit union for 2 different accounts the amount of the first account ( # XXXX ) is XXXX. The second account number is ( # XXXX ) .I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX  this account is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a comprehensive analysis of my credit report. There are FCRA VIOLATIONS from creditors XXXX XXXX on my consumer 's report. Although, Transunion has deleted the erroneous items and, Equifax has reported positive payment history. Experian continues to report these errors. XXXX XXXX is in clear violation of the following : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Negative Information from Financial Institutions If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports negative information about your customers to a nationwide CRA ( for example, XXXX, Experian, or XXXX ), you must notify your customers that you report such negative information. 
Examples of negative information include a customers delinquencies, late payments, insolvency, or any form of default. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1681n - Civil Liability for Willful Non-Compliance FRCA 15 U.S. Code 1681b - Failure to Validation of Debt After I sent that complaint letter for Equifax on XX/XX/2021 to adjust the credit reporting XXXX XXXX then falsify more information by adding and removing positive payment history in addition to the negative furnishings Thus breaking more FCRA violations against me. Not only did they update my payment history incorrectly, they furnished new negative information on my account without informing me. Thus defaming my reputation and harassing me from my true creditworthiness. 

FCRA 15 U.S. Code 1681b ( 2 ) Notice to Consumer FCRA 15 U.S. Code 1692d Harassment or abuse FCRA 15 U.S. Code 1666b ( a ) Timing of Payments ; Informing consumer with statement mailed of coming payment
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX Pandemic period, I was offered a XXXX Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!
Product: Money transfer, virtual currency, or money service

Hi, I am a XXXX resident and I was robbed of my phone on Friday night/Saturday morning. Here is the order of operations : On Friday night, my phone was stolen. Then after that, the thief ( maybe multiple ) continued to withdraw money on multiple accounts including Cash App. They changed my log-in and other personal information such as phone number and email and Cash App allowed them to get away with it. They have now taken roughly XXXX  dollars through the checking account listed in my account causing insurmountable financial damage along with XXXX dollars that was in my app itself. XX/XX/23 at XXXX XXXX - Stole {$50.00} XX/XX/23 at XXXX XXXX - Stole {$2200.00} XX/XX/23 at XXXX XXXX - Stole {$5000.00}. I filed a police report and am working with a detective. I provided the company the police report as well as the detective 's phone number. I provided them my statement and verified my identity. They refuse to return my money or provide me any explanations for this.
Product: Credit card

Dear XXXX XXXX XXXX XXXX ( CFPB ) Team, I am seeking your assistance with an unresolved issue involving Bank of America regarding a balance transfer on my credit card account ending in XXXX. 

In XX/XX/XXXX, I completed a balance transfer under a 0.00 % promotional APR. Despite this, I was charged a standard variable APR of 23.24 %. After filing a complaint with the CFPB, Bank of America responded on XX/XX/XXXX, stating they would retroactively apply the 0.00 % promotional rate to the balance transfer from XX/XX/XXXX, through XX/XX/XXXX. 

However, my most recent statement reveals that Bank of America has split the balance transfer into XXXX segments : {$7200.00} assessed at the standard XXXX of 22.74 %, incurring {$130.00} in interest charges. 
{$8600.00} covered under the 0.00 % promotional APR. 

The resolution letter from Bank of America did not mention dividing the balance transfer or applying the promotional rate to only part of the amount. Their response clearly stated that the 0.00 % promotional APR would retroactively apply to the balance transfer as a whole. 

This inconsistency has led to additional charges and significant frustration. I believe Bank of America is not adhering to the terms outlined in its resolution letter. 

I respectfully request the CFPB 's assistance in ensuring Bank of America applies the agreed-upon 0.00 % promotional rate to the entire balance transfer amount, as specified in their response. 

Thank you for your time and attention. I look forward to your guidance in resolving this matter fairly.
Product: Checking or savings account

XX/XX/XXXX I purchased a XXXX bottle of bleach developer from a store named XXXX XXXX. ( XXXX XXXX XXXX, XXXX TN. The purchase was processed on XX/XX/XXXX. I noticed that my card was charged {$160.00}. I disputed the charge with Bank of America and they credited XXXX back into my account. I thought that would be the end of the situation. On XX/XX/XXXX I saw that Bank of America reversed the credit. I called & they told me that I needed to show proof ( the receipt ). I told them I no longer have the receipt and asked what else could I do. They advised me to speak the merchant. On XX/XX/XXXX I spoke to the merchant in store. He told me that they do not keep record of transactions and theres nothing he can do to help me. I spoke with Bank of America again on XX/XX/XXXX. They provided me with transaction ID but are not willing to further investigate because I no longer have the receipt. The receipt had the correct charge of {$2.00} on it which I made BOA aware of. Ive been with this bank for 10 years. I would think they would be willing to further assist me after the merchant pretty much stole my money.
Product: Student loan

I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian and TransUnion for their failure to maintain accurate and consistent personal identifying information on my credit reports. Despite my prior disputes, these credit reporting agencies continue to report incorrect variations of my name and inaccurate addresses. 
Incorrect Name Reporting : Experian has reported my name incorrectly as XXXX XXXX Correct name that should be reporting : XXXX XXXX XXXX. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to accurate information on my credit file, and I am requesting that these errors be investigated and removed immediately.
Product: Credit card or prepaid card

I had my wallet stolen in a XXXX hotel room on XX/XX/2021, there was almost {$1500.00} unauthorized charges on my account. I called them and they said they will block the credit card and send me a new one and open an investigation. Today is XX/XX/2021 the charges were reverse against me and I called them, they said to reopen the investigation they need a police report from where it happened. Im no longer in XXXX and I live about 8 hours away! This was never told to me when I reported the credit card stolen, not sure on what to so since this garbage company doesnt want to help me!
Product: Credit card

In XXXX of 2023, I purchased a bicycle and bicycle engine from XXXX for the price of {$1100.00}. When the merchandise arrived, it came irreparably damaged. I contacted XXXX for a return or refund, only to find they do neither. They only offered replacement parts. However, replacement parts will not solve the issue ; I was sold a product that was not as advertised ; the bicycle and bicycle engine do not fit together, the bicycle frame is missing parts, and the engine does not work. I have tried to dispute this purchase with the financing bank 4 separate times now.
Product: Credit card or prepaid card

WellsFargo Bank used my social security # with another persons name to open an account with my ex-spouse XXXXXXXX XXXX XXXX. I contacted WellsFargo Bank I was told my name was removed but my social secuynumber was never removed!! WellsFargo Bank committed bank fraud which ruined my credit worthiness.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to The Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. Here is the account : CONVERGENT OUTSOURCI XXXX