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

I lost my job due to not having means to pay account throughout the pandemic I feel behind on payments as well. I have paid out the account. However it says it is active which the account is closed out.
Product: Checking or savings account

My payroll deposit is missing and no ETA on a resolution. I am now unable to buy groceries for my family. I cant pay my utilities and risk getting them turned off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I financed XXXX through Wells Fargo Financial National Bank ( Wells Fargo Health Advantage ) in XX/XX/XXXX for {$6700.00} which would remain interest free as long as paid off by XX/XX/XXXX. Well, due to health issues with hefty medical bills, I failed to pay it off on time so the interest started building. I notified Wells Fargo of the hardship my family was facing and asked if there was some type of hardship payment plan or anything they could do to give me some time. I was told that Wells Fargo does n't offer anything like that ... that I needed to get in touch with a debt relief company and see how they could help me, which I did! I was facing the probability of XXXX ( which was only XXXX-to my parrot ) and my husband, who is a small business owner, had just had a XXXX-the XXXX, and survived. He was not a XXXX so ... .. Anyway, I could n't qualify for a loan, but after explaining my situation, they offered me a high balance, low interest, credit card that would cover most of the debt. I was ecstatic! However, after calling WF back, they laughed at me telling me I was crazy for thinking they would accept a credit card. I told them I did as I was told and this is what was offered. I asked her to have her supervisor call me ASAP. After never receiving a return call, I entered an online message for a follow up call. I believe XXXX called and said he 'd see what he could do. Again, no return call so I consolidated my higher interest accounts to this card. I have received letters saying my account is closed and has been charged off. Now I am being told my balance is due in full! And it 's from Wells Fargo. That makes no sense! The letters now state they offer budget friendly payments after they 've tacked on multiple interest charges and fees. I was told WF did n't do this when I needed it ... when I could afford it. I 've paid a total of approximately {$7100.00} which pays for the XXXX. All I 'll be paying on is interest and fees of which I now owe {$4700.00}. Ridiculous. I know I owe interest ; however, why could n't they stop the late fees when they knew I needed help? It just makes me so angry that I worked so hard to keep on track with my payments, calling WF, keeping them up to date, securing a payment method, and for what? I have a letter to mail to them. Do n't know whether I should?!
Product: Debt collection

Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX XXXX stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I contacted Navient after I was unexpectedly laid off to discuss the options for my private loan. I had called my other lenders and they told me that they can defer payments until I am employed again. Talked to Navient and they informed me that I have no deferment left and there was nothing they could do. They even tried to take me through a budge of expenses and then confirmed that I am negative each month with the expenses I have. I have tried to get the lender to work with me in my temp situation and they decided to tell me that I was stuck paying the loans. So each month when I have any money left i pay them way below minimum as that is all I can do. I am now getting harassing collection calls, emails, and voicemails. So i call them back to talk to them and they tell me the same things that I am stuck. I really wish they did not help me use the deferment/forbearance during the years of me calling in for help to lower my payment, instead they told me to use the forbearance and defer payments instead of helping fit the payment into the budget that I had.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. INQUIRY XXXXXXXX XXXX XXXXXXXX XX/XX/year> ; XXXX XXXX reflects on my account several times ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received a debit card in the mail with a welcome letter under an old married name I used before. The letter had instructions on how to activate said card. I did not open this account or had any knowledge of it. I tried contacting the company and they were not helpful at all and ended up ending the call abruptly because I was asking to many questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX  : XX/XX/XXXX. I have contacted XXXX  Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. ( Dept of EducationXXXX  9 Accounts # XXXX ). I have 6 inquiries that is fraud related. ( XXXX XXXX XXXX  XXXX XX/XX/XXXX ), ( Global XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.
Product: Credit reporting or other personal consumer reports

I NEED ALL UNAUTHORIZED INACCURATE AND INCOMPLETE ACCOUNTS REMOVED NOW. I SENT OUT A DISPUTE 30 DAYS AGO AND HAVEN'T HEARD ANYTHING YET. My information was involved in the XXXX data breach and I ended up having unauthorized accounts listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Product: Debt collection

United Collection Bureau , INC . Trying to play games for illegal debt collection on XXXX account. I never charged anything on my XXXX card for past 1-2 years. now they sending me the bill of {$280.00}. I ask them to send me the receipt with my signature and there is NO Reply from them for last 2-3 weeks. Looks like they have Fake website and email address? or This company does not even exist? Please Investigate are they exist? or this is XXXX Scam?
Product: Credit reporting or other personal consumer reports

I requested validation from XXXX, Experian XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.
Product: Credit card or prepaid card

I apologize this is a correction regarding compliant XXXX. I accidentally stated my next Citi Cards monthly bill is {$430.00}. The bill is actually {$460.00}. I apologize once again and sorry for the inconvenience.
Product: Credit card

I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.
Product: Credit card or prepaid card

XX/XX/2023 I tried numbers times to make payments on Capital one on their web page, it would not take my payment on their web site. Tried calling them waited long time. When findly got through to talk with live person instead of their computer. Just pass there XXXX XXXX cut off time to make payment. I tried to explain I tried to make payment on their web site, their web site not working proper. They State they could not help me with their late fee because it pass XXXX XXXX ask supervisor she said same thing. Now I am charge {$37.00} they done this in pass amounted to XXXX in pass two years. I have completed about this in pass one time refined their late fee, now they would not. I tried three time to make this payment before their XXXX XXXX cut off time XXXX XXXX eastern time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXXXXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired XXXX XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Key bank is reporting a XXXX balance on a XXXX max credit line which the supervisor of keybank agreed to remove this account due to my police report submited and frozen reports to in place .XXXX, and XXXX please remove this Account ASAP. 
Thanks
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a 60 and 90 day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Product: Debt collection

Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX
Product: Checking or savings account

My Direct Deposit has not been issued. Chime is not giving any information other than they dont have access to see it or contact your employer, which I have. This now 2 days of not having my pay. I work for XXXX XXXX XXXX XXXX At this point with Chime this is fraud holding my funds Ive searched, this issue and there a lot of people in my situation and have not had it resolved.
Product: Consumer Loan

ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.
Product: Debt collection

I received a letter stating i owe a debt of {$5.00} to local hospitial. The letter does not say when the debt was made and to my knowledge I do not have any debt at this hospital. This looks fraudulent and would like you to look into this claim. Thank you for your time ans help.
Product: Mortgage

Hello, we had a mortgage account with Wells Fargo from XX/XX/XXXX and unfortunately foreclosed XX/XX/XXXX. We would like see if we qualify to file a claim since our contact numbers have changed and have not received information regarding the current ongoing settlement with Wells Fargo.