23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of these ( XXXX ) XXXX XXXX XXXX accounts. I am also a victim of identity theft.
Product: Debt collection

In  XXXX  , 2015 I disconne cted services with  XXXX  prior to the contract end date. I knew I would have to payout the contract so I continued to make payments as well as being issued a credit from  XXXX  corporate offices when I called to complain about the representatives low level customer service abilities. I requested an itemized statement of final charges from  XXXX  reflecting all payments as well as the credit. I never received the information but in turn  XXXX  turned the account over to the  XXXX  collection agency, I notified them within 30 days in writing that the account was in dispute and to cease any attempts to coll ect ( they complied ). I sti ll never received the information I requested from  XXXX  and they in turn sent the account to the  XXXX  collection agency, I notified them as well within 30 days in writing that the account was in dispute and to cease any attempts to collect ( they complied ).  XXXX  continued to not provide me with the information I requested but they in turn sent the account to a  XXXX  collection agency. I notified the  XXXX  collection agency via fax and in writing within 30 days that the account was in dispute and to cease any attempts to collect. They instead put the account on my credit report which has now put a negative mark on my report. I contacted them advising them that they were notified via fax and in writing that the account was in dispute and they were not to put it on my credit report or continue to collect. I stated that they were in violation and they are to remove that from my credit report. It was stated to me  by one of their re presentatives, that as long as I " owe '' that amount it will remain on my credit report.     I then contacted  XXXX  corporate office, escalation team again and stated this is ridiculous for it to have gone on for a year and a half when all I requested was an itemized statement of the final charges. I also informed the rep again, that I was not disputing that I owe  XXXX  I was disputing the amount and by law they were required to give me that information.     After almost anoth er 2 we eks the escalation rep at  XXXX  stated he could not make sense of their records and out of the good of customer service, would issue me a {$300.00} credit toward the final amount of {$430.00}, which would make the final amount {$130.00}, which was paid.     I worked really hard to get my credit back on track now only for this collection agency to disregard the notifications I sent, not listen to what I was saying and to put this blemish on my credit report. Now because of their form of bullying, I have to hold off longer on trying to buy a new home.     Thank You,  XXXX   XXXX   XXXX
Product: Checking or savings account

I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : XXXX paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. 
I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. 
Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX 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 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 months that are reported late 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, XXXX XXXX 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: Money transfer, virtual currency, or money service

QUESTION INTO BANK OF AMERICA and XXXX XXXX I sent my mail certified into Supreme Court OF US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX how much time? 
2/ Why did my docket at Supreme Court OF US show up JUST ONE TIME?

3/ MY mail certified I sent into all Court, It is big yellow envelope mail, I did not sent small envelope Mail, all can not lost ONLY appear stolen and theft, fraud my case at Supreme Court OF US XXXX abused took my money at my bank account, and unite with all defendants and XXXX did not delivery my mail for me.. TO PAID BACK almost {$10.00} dollar in my account, IT is no fair for me and no right about match, because I sent into all court with over XXXX times certified MY CASE at all Court, It is injury and damage, It is not simple complaint, It relate my bill, fee and big my damage I can not handle I petition to dispute direct into CONGRESS OF US compensation for me, include dispute direct into department INSURANCE OF CALIFORNIA REASON XXXX I came in XXXX, I pay INSURANCE and TAX from my account and my bank I pay INSURANCE by my tear eye, my blood.. I should hard work too much state BUT now I was injury and damage, I am not settlement opposite to abused POWER XXXX XXXX, XXXX  me direct at XXXX XXXX, XXXX my face as CRIME, as terror and as people XXXX XXXX insult my face and my XXXX, destroy all things I was build up for my son Yes.. Now I am XXXX XXXX, BUt before I was hard work from XXXX to XXXX, I save my life, my enjoy and my stomach for TAX, INSUrANCE and my son we were terror by POLICE and defendants unite together, to made for my son was fail MEDICINE DOCTOR
Product: Debt collection

XXXX XXXX  XXXX XXXX maybe linked to XXXX XXXX XXXX, however, this supposed company is possibly an extortion scheme posing as a collection agency claiming to be working with Discover Inc. credit card company. XXXX XXXX  XXXX XXXX ( or XXXX XXXX   XXXX ) has attempted to steal or have stolen large sums of money from my bank account. Sensitive user information has been compromised. According to their online reviews, apparently there's been countless victims prone to this attack from XXXX XXXX  XXXX. I have not received any legal documentations from either Discover Incorporate Credit Card Company nor XXXX XXXX  XXXX. The incident occurred XX/XX/2018 ; amount in question is {$1500.00}. The collection agency request that I provide a personal budget information in order to have bank account unfrozen ( ransomware attack ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Applied for, was accepted for and ordered a specific Citi XXXX online with a specific XXXX XXXX promotional offer. 
Received an entirely different card with a lesser promotional offer. 
Called customer service and was told to email the details to XXXX. 
Did so, waited XXXX business days, received no response. 
Contacted customer service again via chat and email. No response. 
Being totally ignored now. 
Bait and switch - ordered one thing, received another and now... crickets.
Product: Credit card

I was advertised a pre-approved offer for a $ XXXX GM XXXX XXXX credit card by Goldman Sachs. I was told that I must submit a state ID to finalize my approval. 

Goldman Sachs received my documentation both via the " upload documents '' section of their own website and also in a complaint made on CFPB.gov ( XXXX ). 

In both instances, Goldman Sachs knowingly and willingly made false statements stating " Unable to verify identification information '' in regards to my credit card application which is a violation of 15 U.S. Code 1611. 

Goldman Sachs has the ability to use other methods outside of using my state-ID to verify my identity, including sending a 6 digit code to a phone number in my name, or asking me multiple choice security questions in accordance with public record, but has chosen not to do so, although federal law requires them to! 

Goldman Sachs falsely stated " The Bank conducted an investigation and confirmed no Bank error occurred. As stated in previous responses, and according to the Bank 's records, the Consumer submitted the most recent application on XX/XX/2023. As part of the application process for the GM XXXX XXXX, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. '' No investigation occurred, the documents requested were sent to Goldman Sachs and obviously have not been reviewed, or the person reviewing the documents has poor eyesight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) serviced through Capital One, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX card services to see about removing this blemish from my credit report. I was told to write a letter to XXXX   and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX card services. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to Capital One to respond and take necessary action so I was transferred. Capital One pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and Capital One is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had XXXX late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

NEW COMPLAINT NOT A DUPLICATE : XXXX XXXX continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.
Product: Checking or savings account

I made an electronic check deposit to my checking account with Huntington bank on XX/XX/XXXX of the amount of {$7500.00} and usually the standard best practice is to have accessibility to a portion of this amount, they denied my exes to the whole amount, then they sent me a letter saying they put it on hold until XX/XX/XXXX, and I will be allowed access to a portion of it Which is not the fact, they denied my access to the whole amount all the time I called them three times to release the hold on some of this amount the denied I have been a customer with them for more than four years and with a good standing. Also have a direct deposit running to my checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get an XXXX loan that had to be done XXXX. I was told by my bank that needed to unfreeze my credit report with Experian. I first went to the website because I did not think I had a freeze on there ( but had one before ). It said that I did not have a freeze. I tried to turn off the freeze anyway and the site would not go through to make that happen and it did not say there was an error and the account was not froze. I spent 2 hours trying every prompt there was to get a live person on the phone and it did not work. When I said representative it said that it was not able to forward my call unless it was under certain circumstances. But it never said what circumstances. I then called Experian corporate offices in XXXX XXXX, CA and XXXX, IL. They would send me back to the phone number. When I called them back to say no there is no live person to talk to for my particular problem. They said well I can't help you. I kept calling them back hoping to get a different person to help me and then they were hanging up on me! I was not angry with them I just said it was very important and I had to have this done right away. This is very poor service and phone prompts. Sometimes it is necessary to get a live person. These companies are like the IRS, they can break you and your life and it does not matter how people are treated/helped! This needs to change. Please help!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$50.00}
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

EXPERIAN : XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance XXXX {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$84.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Portfolio recovery services located in Virginia never sent purchase agreement for debt of any kind relating to debt .There 's been no communication between the company and I. Credit report states debt. NO arbitration was offered from company and there's a binding arbitration clause in the Credit card disclosure. I'm disputed through XXXX  and XXXX  with no resolution. There's been no validation of a legal verification that responsibility of the debt.
Product: Student loan

I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.