23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX has changed their service provider for payment portal to TD Financial. The new web portal does not allow for updating or changing passwords to log in and revise/make payments. I have called customer service multiple times to try and get the information I need but am stuck on a hold loop for hours. 

The new service provider requires a new login to be setup, but I can't set it up because I can't get customer service to answer my calls to get my card / account number. It appears many others are having the same issues. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a representative from - CREDIT CORP SOLUTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Several times since 2020. I was told I owed this amount and that I'm responsible for the debt. They told me that the original debt was from XXXX XXXX. I told them I didn't fly anywhere ; I didn't book a hotel, and I didn't rent a vehicle pertaining to this vacation. They have not furnished any information other than my name and social and they will not remove it from my credit report. I've talked to all 3 bureaus, and they said I needed to file a complaint. I've filled police reports like they have requested, and they still will not remove it and won't listen to me. They have been difficult and will not work with me unless I pay them what they say I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data breach so I pulled my credit reports and found there is an account that is inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the inaccurate account : XXXXXXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of my dads life insurance check into my Pentagon Federal Credit Union account. I was contacted on XX/XX/XXXX and told I had to provide an id, utility bill and PROOF OF FUNDS for this cashiers check made out to me that my dad worked for and died for. I was immediately appalled and humiliated that this institution would make me do their job for them in VERIFYING A CASHIERS CHECK! Why do I need to prove that my dad died? Then for them to guise it under fraud prevention? Seriously? That is what you verify a cashiers check for! Why should I need to show letters from my dads life insurance policy associated with the check I deposited? Mind you, I had no issue with another credit union I bank with for a similar deposit amount! I was told the funds wont be made available to me until I PROVE TO XXXX XXXX XXXX XXXX MY DAD PASSED AWAY. I am thinking of legal action due to how humiliated and the emotional damages from the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried today, XX/XX/19 to get my credit score from XXXX XXXX and Equifax. They want me to pay to see my credit scores and I will not. They still report that I owe an amount that is {$14000.00} more than my current total. I pay my accounts off monthly and run NO balance ever and yet they have severely reduced my credit score by over 100 points. No explanation. In spite of the fact that my balance is substantially less that last month, it appears that my scores are still 100 point lower than the average I run of XXXX : an average that I have had for years. I want to see my current credit scores from both companies for free and I want them to update my credit report accurately! I'm tired of being held hostage by inaccurate reporting info and the arbitrary dictates of these 2 greedy companies.
Product: Debt collection

I received a letter, collection letter from Central Portfolio Control, they stated that because of interest, late charges and other charges that may vary from day to day, the amount due on the day you pay may be greater. In addition, this is the first time I have received a collection notice on this amount and have not received any information on when the service was/if it was provided by the Hospital they are collecting for. They want me to send in a payment and then discuss options? It does n't even give the date of service..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX forwarded all information on the on-line application, but on-line page was not at its best, and stated some one will mail you are decision, there was to be a decision after completing the application that was stated on this web-page, but never happen, a letter did come in the mail, stating application number XXXX, the part for your credit score was 0, date 0, scores range a low to high 0, key factors that adversely affected your credit score, N/A, the next page states : Thank you for your recent application for a Kohl 's Credit Card account issued by XXXXl XXXX, XXXX. We regret that we are unable to approve your request at this time for the following reason ( s ) : Unable to verify physical address, the address was on the application this is a lie, it also states information obtained in a report from the consumer reporting agency listed below, N/A,
Product: Debt collection

My name is XXXX XXXX. XXXX : XXXX ... I've recently disputed this debt multiple times from Midland Funding ... they are not the original creditor ... the account was closed and they bought the debt from the original creditor ... I need validation that I owe this debt ... My signature is not on any contract with them ... My rights have been violated under the Fair credit reporting act ... as well as UCC 1-308 ... every time I dispute this debt collector nothing get 's solved ... like the credit bureau 's and this agency is committing fraud against a name that isn't mines ... I have a Nationality ... XXXX XXXX ... I'm not the ALL CAPITAL LETTERS NAME on any paperwork ... I've stated this fact many times. Section 609 of the Fair Credit Reporting Act is suppose to protect me against agencies like this one. Why are my rights being violated and nothing is being done about it from the credit bureau 's or by second party agencies that I don't have a contract with?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XX/XX/XXXX XXXX*Credit Bureau Name** ( XXXX, XXXX, XXXX ) XXXXDispute Department Address** **Subject : Formal Dispute of Inaccurate Credit Report Entries** To Whom It May Concern, I am writing to formally dispute the following inaccurate, unrecognized, or fraudulent accounts listed on my credit report. I request a full investigation and immediate removal of these items under the Fair Credit Reporting Act ( FCRA ) : 1. **CBE Group {$2200.00} ( Opened XX/XX/XXXX ) ** - I have never resided at the address linked to this account. During this time, I lived in Kentucky, and I have documentation ( e.g., lease agreements, utility bills ) confirming my residence there. This debt is not mine. 

2. **CBE Group XXXX XXXX  - I have no knowledge of this alleged debt. It may be tied to my late fiancs accounts, but I am not responsible for their obligations. 

XXXX XXXX XXXX  $ XXXX - I paid all fees and fulfilled my lease obligations before vacating the apartment. This account inaccurately reflects an unresolved balance. 

4. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - I have never taken out a loan or had any financial relationship with this institution. This entry appears fraudulent or misattributed. 

5. **XXXX XXXX XXXX - I have never opened a XXXX account or used their services. The associated phone number and account are unfamiliar to me. 

6. **XXXX XXXX XXXX - I paid {$50.00} into this account, which was subsequently closed. No remaining balance should exist. 

**Request for Action : ** - Please investigate and remove these items immediately, as they are either errors, fraudulent, or unverified. 
- Provide written confirmation of the investigation results and an updated credit report. 
- If these accounts are verified, furnish documentation proving my liability ( e.g., signed contracts, transaction records ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act comenity bank/ Jared acct # XXXX, 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Product: Credit card or prepaid card

I made a payment on XX/XX/2023 using my bill pay account for the amount of XXXX to my American Express credit card. Upon receipt of the payment Amex cs told me that the available credit should update withing 24-36 hours. When that time passed I contacted Amex cs again and they told me 72 hours this time. So I waited for the 72 hour period and contacted them again regarding my available credit. I was told this time that the available credit was put on hold indefinitely. So I got mad and cancelled the account and requested that the minimum payment be held and the rest of the XXXX payment be returned to me. That is when the mess started. While making my payment using the bill pay, the system gave me an error. So I sent the payment twice without realizing as each time I processed the payment it gave me an error. I decided to leave the system alone and wait for a day or two to check on the status. So the next day I saw that instead of one payment three payments went out. So I moved my money from the account so only one payment could pay. The other two bounced. So one was duplicate on XX/XX/2023 and the other one was sent on XX/XX/2023. I have asked the customer service weather I could request my payment back as American Express only requires that a minimum payment be satisfied, I was informed that yes. So Ever since XX/XX/2023 I have been requesting my payment back and I would get a denial as the the team ( backend ) as they call it would state that I did not have credit balance on the account. I have been struggling for months to explain to these foreign agents from XXXX and XXXX that I had only requested that my payment be returned to me but they kept sending me messages and letters that my two payment were returned therefore there was no credit balance on the account.
Product: Credit reporting or other personal consumer reports

I would like to follow up despite my previous four attempts to resolve this matter, the unauthorized inquiries remain unaddressed.The presence of these unauthorized inquiries is negatively impacting my credit score and financial standing. The prolonged delay in addressing this issue is unacceptable and has caused me significant stress and inconvenience. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the unauthorized inquiries and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will be forced to escalate my complaint to relevant regulatory authorities and explore legal options to protect my rights as a consumer. Kindly help me remove the following inquiries immediately : XXXXXXXX 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, 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 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 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 Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

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

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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.
Product: Consumer Loan

*I was a XXXX XXXX under my company ( XXXX ) when got in agreement with another XXXX ( XXXX XXXX ) to buy from him XXXX trucks ( XXXX XXXX XXXX & XXXX XXXX XXXX ). 
* I contacted " XXXX XXXX XXXX '' for financing as they called me before offering equipment financing. 
* After setting the price at XXXX for both trucks I received an offer On XXXX/XXXX/XXXX from XXXX to do such financing. ( see attached ) * For some reason XXXX used another company called " Financial Pacific Leasing to close and start the relationship. 
* After paying XXXX as at front fees and the last payment of XXXX the deal was closed and I received those trucks and XXXX XXXX was paid XXXX. I started making monthly payments of XXXX from that day. 
*On XXXX of XXXX I was notified by XXXX that my contract was terminated and not willing to renew, and I contacted Financial Pacific Leasing to know my balance on the account because they never disclose that on the monthly statements ( see attached ) and they told me the balance was so much higher of the original amount financed and said my only option was keep making monthly payments or to pay the sum of all monthly installments in XXXX single unrealistic payment. 
* Even with that response I 've been paying XXXX a month not using those trucks until XXXX. 
* On XXXX I called Financial Pacific to inform them I was having difficulties to afford the payment and asked to do something with my balance because by that day I had paid XXXX and I was told that the remaining balance was close to XXXX and the only option was paid the whole amount, this is totally unfair and deceptive. 
* After many aggressive calls from pacific leasing on XXXX/XXXX/XXXX they send me an addendum setting a new monthly payment of XXXX for the next XXXX months and I told them I was n't able to afford it because I do n't have a contract or use for those trucks ; even that I told the representative might try and when I returned that addendum they said it was to late and I 've to pay the entire amount of XXXX. ( see attached ). 
* On XXXX XXXX I received by mail a very intimidating letter from " XXXX XXXX '' Attorneys at law requiring the payment of XXXX plus late and attorney fees making me and XXXX XXXX personally responsible instead of my company XXXX. ( see attached document ) * After all efforts to honor that contract I 'm still owing more that the original loan amount with no escape of paying with their tough terms, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.
Product: Vehicle loan or lease

I was in XXXX when i get the car it is not working the owner put insurance to get the all money and fix it 2 times he send me to coleccin after insurance paid the car the car was u der my daughter XXXX XXXX and later the car was under my name he stiil the money and the insurance money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX  were appropriately removed. As such my record continues to show NO payment made by me to XXXX since XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is XXXX and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???
Product: Debt collection

Received letter in the mail stating they were collecting debt in regards to an insurance claim for an incident 2 years ago. We've never been in an incident on any such date or area. Upon searching information on the collector, there are hundreds of reports they are illegally trying to collect bogus debts and once you reach out to them they are relentless in their attempts to collect and unless you hire an attorney they do not stop. I will hire an attorney if needed.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX  listed Halsted financial services LLC and upon my call the lady there at XXXX XXXX confirmed that There are XXXX of Government benefits of yours sitting XXXX XXXX XXXX XXXX and she then hung up in my face. I called XXXX XXXX XXXX and the guy said we don't get involve with social security benefits. Then I called XXXX XXXX XXXX XXXX XXXX and spoke directly with XXXX XXXX XXXX and she lied no benefits of yours are here.
Product: Debt collection

I recently settled a balance with TransWorld Systems Inc. The person on the phone advised me that they would delete the account from my credit reporting as part of the settlement. The account is still listed on XXXX and XXXX. This is in violation to terms and needs to be deleted asap. I have attached a copy of my settlement letter. Please delete and do not force me to escalate this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX.
Product: Credit card

So my Home a Depot card had a {$0.00} balance and then I was charged close to {$6000.00} on an online purchase delivered in a Home Depot store iXXXX XXXX XXXX I am in XXXX and I do not know anybody there in XXXX. I had to call XXXX different times to citiBank Home Depot card to initiate an investigation and remove the charges. They told me will send me a letter after the dispute is cleared and not when the dispute is filed. They want you to pay the minimum fee even if the investigation is not completed, I guess you have to dispute the minimum payment charges later.
Product: Checking or savings account

my job direct deposit to my account. I heard on the news about an issue with a third party vendor and my deposit is delayed. Today is friday they are closed on the weekend and monday is a holiday. My account is negative because they haven't fixed the issue.