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

my address and name is wrong. I had identity theft, data breach with XXXX, XXXX, XXXX, XXXX and my information is on the dark web. My XXXX and XXXX has not updated my credit report nor provided me with a copy. XXXX is on my credit report and I never had that last name.
Product: Credit card

I would like to cancel my card. After calling the number on the back of my card and being put to hold for an hour and a half to speak to a representative, I hung up. Thinking I 'd reach a representative faster if I called back using the " international collect '' number, I rang again. Finally, I reached a customer service representative. He asked the reason for my call. I said to cancel. He put me on a " brief '' hold that turned into another half hour. He never came back to the call, and my card is still active. I do not want to deal with these people ever, ever, ever again. CFPB, please help. I would n't wish this experience on my worst enemy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim.

Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported.

XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXX Ones platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am part of a XXXX XXXX called XXXX XXXX. It's a private group that has XXXX members. On Monday, XX/XX/XXXX I posted that I was searching for a pair of sandals and a user " XXXX XXXX '' messaged me and said they had the item in hand and agreed to send them to me after a XXXX " friend/family '' payment was made in the amount of {$920.00}. I checked their references and all seemed to be legitimate. Payment and address was sent and they said they would ship it the next day ( XXXX ). On XXXX, they messaged asking if they could send the next day and I agreed. On XX/XX/XXXX, they asked for my shipping details again which I sent and they then sent me tracking information. I was a bit skeptical as they were using a delivery company I'd never heard of " XXXX XXXX XXXX ''. There is a website and it provided shipping info but said the delivery was " pending ''. This morning, XX/XX/XXXX, they messaged me at XXXX PST asking if I received my item and told me to email the company if I hadn't. That raised reflags and that's when I discovered that this person was posing as a legitimate/trusted buyer/seller XXXX XXXX. They created an account with the same profile picture and information, but the username IP was different. I now realize that I should have used my better judgement and now trying to see if there's any way to get my money back. In the meantime, I don't want this to happen to anyone else. 

The delivery website now appears to be fake as well. 
https : //swiftlines.delivery/track-shipment/? XXXX Email they had me send payment via XXXX : XXXX XXXX Other names, aliases, and emails used : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I have been yelled at and threatened today by an employee in Credit Card services after I requested to speak with a manager. My credit card has not been working properly and I 've jumped through hoops to get the problem worked out. When the card does n't work properly I call USAA they in turn tell me to try again having FULL knowledge that after a 3rd attempt it blocks and disables the card. Then it Flags the FRAUD department. Afterwards I ca n't use the card for several days and requesting a manager is Impossible if you expect a call back. I have patronized this once wonderful company and I 've only received 2 manager call backs in a 7 year period, after requesting it mor than 27 times. I want the CEO to receive this complaint and have someone competent communicate with me that does n't not fall into the Philosphy that the company is always right. Screaming and yelling and threatening a customer will get the response that a company should want to avoid. I have proof of the representative being condescending, threatening and truly unprofessional. This is the company supporting our Veterans and military that defends our beautiful country. Sad commentary
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update this immediately in my report : XXXX XXXX
Product: Credit card

XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. 
Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Product: Credit reporting or other personal consumer reports

Greetings, I was a victim of an online job scam back in XX/XX/XXXX. CITIBANK is reporting to XXXX XXXX XXXX consumers reports of this being a forged " Account Check Fraud, '' which I find highly unprofessional on their part when I was a victim of a scam myself. The individual posting as XXXX XXXX was trying to hire me to become a data entry clerk for the company. I was reached out to by a XX/XX/XXXX XXXX or Indeed during the same month. After I completed the personal information, I provided them with my ID as well as my SSN, and XXXX and the next day I was told I would be hired. They advised me that they were sending a check in the mail viaXX/XX/XXXX for me to purchase equipment to do the job, but I would need to deposit the check and then go to a website to purchase the required equipment. I deposited the check, and it was cleared the following day. I took the cash out, bought the equipment, and sent the money over to them via XXXX XXXX. I received a call from Citibank advising me that the check was returned and that my account would be in the negatives because the check appeared to be fraudulent. I had no intention of defrauding Citibank. I filed a police report regarding the scammers posing as a legitimate company when they were not and advised XXXX of the same issue. Years later, I am unable to open new bank accounts with any large institution because of the unfair reporting of " Account XXXX '' by Citibank. I tried to dispute the information with XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, but I was advised by them a few weeks later that the bank notified them that the information was accurate. No other options were provided. Every bank is viewing me as some sort of criminal. It is embarrassing and extremely depressing. I call on the Government to investigate this matter thoroughly, and if there are any wrongdoings by Citibank I deserve compensation for the stress that I've endured, and the loss of income it has cost me. 

Thank you,
Product: Mortgage

Mortgage was transferred to a new company in XX/XX/XXXX and included all escrow accounts and monies held. In late XXXX I received a past due notice from my insurance company that my payment due XX/XX/XXXX was past due. I reached out to the mortgage company and was told that I did not have escrow setup on my account in spite of the fact that they include escrow in my monthly payment and are holding escrow funds. Multiple attempts to resolve this have been unsuccessful. Today I called and was once again told that the insurance payment is my responsibility.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

I send extra money with my regular payment to cover a late fee but the company does n't apply the extra amount to the late fees. They apply it to principal and carry the late fees forward. I have called company three months-XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- been told I have to call and ASK them to apply extra payment to the late fees. I have tried in that in XX/XX/XXXX and XX/XX/XXXX but it does not work. I have been told they would correct the problem and even given references numbers but the next bill shows up and nothing was done. On XXXX XXXX, 2016 I called and was told part of the {$30.00} late fee would be adjusted and the other part would be waived. With that assurance I sent {$260.00} to cover the remaining {$260.00} on the statement. They are still showing late fees. No adjustment has been made. I can never get my account caught up. Late fees keep accruing. It 's a scam. Their customer service is the absolute worst I 've ever encountered. The rep sounds like someone in XXXX and they talk and talk and never make any sense. I have spent at least 1.5 hours on the phone trying to resolve this issue and told at least twice it would be corrected and nothing is done.
Product: Debt or credit management

I was told they help fix credit. Received a call at set up the service which I paid {$1800.00} upfront cause that was the cost. I was assigned someone who rarely checked in I would have to call him to find out whats going on and I just stop hearing from them after a while and my credit score had not increased.
Product: Debt collection

On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.
Product: Student loan

Called XX/XX/XXXX to get a refund for payments i made during Covid. Was told it would take 14 days for a refund and my balance would come up to original state in 5-7 days. It was then XXXX  and I called them to follow up on a statues and was told it can take up to 60 days but my request was submitted according to the rep and waited on the line for 3 hours before finally speaking to them. It is now XXXX  and I have yet not seen any action on my end my loan balance is the same and I have not seen my balance go up or even see a refund in progress on my bank account.
Product: Debt collection

I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.
Product: Credit reporting or other personal consumer reports

I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.
Product: Bank account or service

Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made
Product: Credit reporting or other personal consumer reports

I am disputing the information reported on my credit report regarding an account with ACIMA DIGITAL ( formerly SIMP ). This account, which shows a charged-off status, and currently indicates a balance of {$1300.00}. 

I do not recognize this account and have never entered into a lease agreement or any financial obligation with ACIMA DIGITAL or its original creditor. The reported information appears to be tied to fraudulent activity, potentially connected to a recent data breach that exposed my personal information. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute inaccuracies on my credit report. Because the existence of this account negatively impacts my creditworthiness and is not an accurate reflection of my financial history, I am requesting a thorough investigation into the validity of this account. I seek verification of the account 's legitimacy as well as documentation that substantiates that I owe this debt. I believe this account should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re :  Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Debt collection

I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am once again requesting to have fraudulent accounts removed from my report. I requested prior that these items that do not belong to me be removed from my credit report. I have attached FTC report XXXX as proof this is FRAUD. Please remove XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX/XXXX. I also want the following unauthorized inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX removed. I am not working with any type of repair clinic. I am just asking again of fraudulent information be removed from my credit report.