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

This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.
Product: Debt collection

CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Equifax credit report. FTC Identity Theft Report No. : XXXX
Product: Debt collection

Numerous calls daily all from different numbers. Portfolio Recovery. They can send information, but they call daily from numerous numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent charge off appearing on my consumer FICO credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint XXXX XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit card or prepaid card

I used Paypal to buy a product where i was charged ro different amounts and i am unable to enter dispute via internet access after numerous attempts i am simply locked out. I have also attempted to contact because of an unknown address setting up fraud on my account.
Product: Debt collection

I paid a debt that was owed for a hospital visit for my child on XX/XX/2014. I paid {$150.00}. I just received a letter in the mail from another debt collector wanting me to pay the remaining amount of the balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX Equifax, XXXX, and XXXX. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXX pandemic. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with XXXX XXXX XXXX XXXX. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX XXXX to help with my mortgage payments were compounded by the difficulties imposed by XXXX XXXX XXXX XXXX. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and XXXX instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that XXXX XXXX XXXX XXXX correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of XXXX XXXX XXXX XXXX. 

I hereby request a timely response from XXXX XXXX XXXX XXXX and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.
Product: Debt collection

I made an attempt to contact XXXX XXXX XXXX to make payments on an outstanding balance before it reached the collections stage. However, I was informed that there was nothing that could be done to prevent it. Unfortunately, a few months later, a collection service contacted my employer regarding the debt. 

RADIUS GLOBAL SOLUTION Balance owed {$1400.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show XXXX, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show XXXX, until XX/XX/XXXX when it should show pays as agreed, then should show XXXX for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.
Product: Debt collection

CREDIT COLLECTIONS SERVICE S SHOWING ON MY CREDIT REPORT THAT I OWE {$89.00} TO XXXX XXXX XXXX XXXX XXXX I CANCELLED THAT POLICY AND IT WAS PAID THIS WAS PAID IN FULL WHEN CANCELLED
Product: Money transfer, virtual currency, or money service

I am a client of JP Morgan Chase bank. On XX/XX/XXXX, I submitted a wire transfer in the amount of {$35000.00} to an account I wired money to previously. This is an XXXX bank in XXXX XXXX. The beneficiary in XXXX XXXX has yet to receive the funds. I was told by my bank Chase that a hold was placed by the intermediary bank, XXXX in the US. I have answered and complied with all questions by XXXXXXXX XXXX. I filed a complaint against them with CFPB and their investigation determined they sent the wire the same day it was received. Chase wire investigation says otherwise. Someone either has no idea what is going on or just does not care. We need this resolved immediately and someone needs to be held accountable for their actions or lack there of.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by TransUnion. Specifically, TransUnion is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX  Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Product: Credit card

Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! 

This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!
Product: Mortgage

In and about the month of XXXX 2016, Ditech sent notice that the amount of mortgages ( and I have XXXX accounts with them ) would be different. Since I have automatic bill pay set up for these accounts, it required an adjustment that apparently missed the timing in some way. Or at least that may be what happened. For XXXX account, Ditech REJECTED the payment due to a change in account numbers that they initiated and of which they did not ( or at least I have no record thereof ) notify me. Therefore, the payments for the month of XXXX were " late '' ( or " rejected '' and then late ). I called to appeal a late fee that was put on only XXXX of the accounts ( the other was not penalized ) and was told my appeal would be submitted. Then the late payment and AN ADDITIONAL late payment appeared again for XXXX, suggesting the corrected XXXX payment was late as well. When I called about that, I was told that the XXXX ( XXXX late fee ) had been dismissed but that XXXX payment was " late. '' I inquired into how that was possible considering that I changed only account numbers on my automatic payment and that submission dates were the same as they had been for years. It was suggested to me via XXXX XXXX and the DItech staff member that the address the payments were being sent to ( and had been for YEARS ) was suddenly no longer the correct XXXX. Again, this is without any notification of a problem with this from Ditech 's end. I appealed again. Oh, and Ditech 's staff person at the time said the first late fee had been removed. Now receiving Ditech 's current statement, XXXX late fees still appear. I pay ALL bills on time ; I have never paid a cent of interest on a credit card because I pay those off every month ( indeed, I have the option with those banks for them to take the billed amount out of account if I somehow missed setting up that bill pay ). Ditech has not communicated well regarding the changes to the account : amount, numbers, and payment address. I believe all is now fixed ( after all of MY effort ) but I seriously object to them charging me any late fees for problems initiated on their end. Please assist me in dealing with them. Thank you.
Product: Credit reporting or other personal consumer reports

They have reported wrong information on my credit history, I tried to contact them with no results. I believe I was also a victim of identity theft.
Product: Vehicle loan or lease

The dates are XX/XX/2024 and XX/XX/2024 we have never reversed any payments and as the transactions show the payments were on time.
Product: Checking or savings account

Deposited electronic check to my chase checking from family member of {$970.00} which is from XXXX  XXXX XXXX. This activity in my account is COMMON. they have now placed a 10 day hold on this check. Inquired and this is response recieved. 
Hello, Thank you for contacting us. We understand your concern about your account and will be more than happy to help you. 

A hold can be placed for a variety of reasons, including when the deposit differs from the usual banking activity for you or the issuer of the check. Each hold is confidential and handled on a case-by-case basis. The money will be available on XX/XX/2020. 

If the deposit is returned to us unpaid, we'll deduct the amount of the check from your account and charge a {$12.00} Deposited Item Returned Fee to your account. 

For more information about the hold, sign in to chase.com and follow these steps : 1. Choose the tile for your account. 

2. Review the " On Hold '' section for details about the hold and when it should expire. 

You can also see hold information on the Chase Mobile ( R ) app ( 1 ) or chase.com mobile site. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 

Thank you, XXXX Chase Email Servicing ) This response is not only disengenous it is insulting to threaten with a {$12.00} return fee which had nothing to do with my inquiry. 
After responding back to their pathetic response which was immediately addressed are now saying can take up to a week for further response.Predatory practices and game playing during a crisis we are in is reprehnsible and danderous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have an account with fifth third bank, where students aren't supposed to have a monthly account fee, but I brought them proof I'm a student and they still charged me the fee, I called them up about it and they said they can't help me. Also when I opened the account I was offered {$250.00} for leaving {$500.00} in there for 60 days, but now that they charged me a fee my balance went under {$500.00} so I can no longer get the bonus ( because of a mistake they made ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that arent mine that need to be deleted from my credit profile.
Product: Credit card

There was a dispute that was resolved in XX/XX/ for a purchase made in XX/XX/ and {$6600.00} which was the amount for the dispute was credited to my account twice. {$3600.00} and {$3000.00} was then debited for the excess credit in XXXX XXXX I recently lost my card in XXXX XXXX  and requested a new one. An unexplained balance transfer of {$6600.00} was made to the new card. This was taken from the automated payment from my checking account for XXXX statement payment. 
I have talk to countless staffs wasting countless hours to resolve this issue but no one seems to understand whats is going on and no one can provide an answer. They are difficult to reach and you talk to different person every time and start the process all over again. 

Synchrony is so disorganized with very poor service.
Product: Debt collection

XX/XX/2023 the company was sent my opt-out notification.
Product: Mortgage

The month of XXXX, XXXX and XX/XX/2022 the amounts are increasingly different. I used to pay XXXX XXXX and some odd dollars but now the bank is asking for {$920.00} in the month of XX/XX/2022 and they are not giving me an explanation as to why it has become this amount. It has more than doubled. All theyre saying is, this is what you have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove my freeze on my credit report from Equifax. 
For that I have to go to create an account and answer a bunch of questions, and at some moment I was told that it could not verify me and I will receive a pin in a mail in 3-5 days. 
The mail come in more than 7 days, with the instruction to go and complete the enrollment, what I did successfully ( received a confirmation email ). But still could not login into my account, because of " We are temporarily unable to complete this request. '' error after I input my credentials. The error is not descriptive to tell me what is wrong. 
I have XXXX this error and looks like people are complaining about it for years. 

I'm very frustrated by this company, that is using my personal information without any approval from me, and at the same time is making difficult to access it. 
I did the same in the same day for two other companies : XXXX and XXXX without any issues. Only Equifax doesn't allow access my account and freeze/unfreeze when I want. 

Thanks you
Product: Debt collection

A debt collection company called XXXX XXXX XXXX d/b/a Springer Collections  has been repeatedly harassing me and my wife with phone calls. My wife & I used to get our lawn service from a local lawn company called XXXX XXXX XXXX that later went out of business. Before it went out of business, the business was taken over by new owners & the new owners billed us for lawn care we never received. We think at least one of the following two things has happened : ( 1 ) we were billed for services we never received & then got sent into bill collections to pay a debt for services that were never given AND/OR ( 2 ) we were confused with another person with the same last name who lives a few blocks away but the company was so chaotic before it went out of business that it sent the bill to us by mistake. We know that # 1 definitely did happen to us. I'm also wondering if # 2 happened to us, because upon the advice of an attorney, I checked my credit report & I found an address near my house that is neither my residence nor a property I own. ( The only real estate I own is my own residence. ) Bill collectors call incessantly and will not listen to reason when I state that the debt is not mine or my wife 's.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am unaware of this, and the company did it without my authorization.
Product: Student loan

I need to talk to someone about my student loan payment. I can not afford it and I have called numerous times, being on hold on average 1-2 hours with no-one answering the phone. I have sent two emails and no return message/call.
Product: Credit card

Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone XXXX XXXX
Product: Debt collection

1 Remaining Negative Account. 

Account Name : WELLS FARGO DEALER SVC Account Number : XXXX
Product: Debt collection

Hunter warfield continues calling my job over and over when Ive continued to tell them not to