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

My account with XXXX XXXX was never late! I have had exceptional payment history with 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  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 card or prepaid card

Dear Sir or Madam, I do not have any identity issues with XXXX. Bank of America closed my account with no reason or explanation that anyone bothered to tell me anyway. I called and they reopened my account. Three days later, XXXX made a 21 week deposit into my account. When my funds, totaling around {$20000.00}, hit my account, they closed it again. I called and the Bofa representative answered, she asked me my phone number and my card number. Then she told me I failed verification and referred me to a branch with 2 forms of ID. She did not ask me my name, date of birth, social security number, or any other questions to even try to verify me. I asked to speak with a supervisor. The supervisor told me I had failed verification and to go to the bank. I told her to listen to the call, the representative didnt even ask me my name! She told me to go to the bank. 

Bank of America forced me to go to the bank with 2 forms of ID. I went to 2 different branches, both times I was told that I didnt have an account number with Bank of America and they could not verify me because I am a prepaid customer. They said to call the number on the back of the card. When I did, I was told to go to the bank again. I explained that I already went twice. They told me to go back again. No one will listen to me long enough for me to explain exactly what happened. 
Going to the bank wont fix my problem, I tried two times. Calling Bofa will not get my account reopened. XXXX says they have sent the form to Bofa several times to have them reopen my account. Bofa denies receiving any correspondence from XXXX. 

I know that the bank is trying to hold all the pandemic money they possibly can, but this is ridiculous, to a point I would say it is criminal. People are struggling right now they are keeping peoples hard earned money from them at any cost. It is so obvious what they are doing. Please put a stop to the disgusting greed that is going on. I cant believe they have been able to get away with it this long. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and disappointment with your inadequate response to my ongoing dispute regarding inaccurate and invalid negative items reported on my credit file.
Product: Student loan

My payments have historically increased and most recently without giving me any written notice. When I called they claimed they mailed me notice. Which I never received. I did receive my tax form so they clearly have the correct address. They continued to tell me I still had to make this new increased payment without me receiving a notices regardless. The biggest issue I have is that I've paid over XXXX on this loan since 2013 and the principal has only gone down XXXX. I feel completely over a barrel. Wells Fargo is crooked and unaccountable.
Product: Checking or savings account

XXXX XXXX was created by stealing my information and personal checking account then thats how the XXXX  and XXXX XXXX  became a thing I couldn't do anything to stop it because the numbers for my bank were switched to and they didn't even compensate for any damages, I've been at this for three years and the bank hung up on me and gave me a fake name and XXXX only contacted me the moment I closed my account after three years, and now I end up finding my XXXX  account but the account number and names were changed and the only way to get to the bottom of this would be with my social. And now when I log into XXXX it shows people I've made transactions with but there's no transaction history to support it.ive also talked to XXXX support and I remember one person said they would log the conversation to prove my compliance but main thing is I would appreciate my reports going straight to Experian or any other agency of the three companies.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX, XXXX, OR. or XXXX XXXX XXXX XXXX, XXXX, OR I have never received a credit card, billing statement or late notice at my address XXXX XXXX XXXX, XXXX, WA I have asked for my original application for this card AND THEY ARE SORRY they are unable to get me that. It would show that XXXX XXXX was an AUTHORIZED USER and not a JOINT CREDIT CARD HOLDER They activated this card for him and let him change the mailing address and phone number. I am attaching my credit report showing the adverse information which will stay on my account for 7 years If you cant help me can you direct me to another agency that can help me. If not I will get an XXXX to help How did credit card companies get so much power
Product: Mortgage

I submitted loan application docs Primary Residential Mortgage, Inc.NMLS # XXXX, and NMLS # XXXX. 

After looking over the docs and paystubs we were told our loan would be approved and we were told to pay for our appraisal {$580.00} asap, as the closing date was soon, we advised our loan officer NMLS # XXXX, that my husband is working full time hours currently and will be full time soon. On the paychecks that were submitted it clearly says my husband is seasonal employee and not yet full time. This was pointed out by the loan officer and he said it was fine to more forward. We then paid for appraisal and earnest money, 2 days before closing the loan officer got back with us and said, that the loan guidelines were changed by the FHA govt, and that he needed my husband to be full time or the loan wont get approved, he said he can do a no doc loan if we came up with a fake company to get him approved, we did not do this, and said there is nothing we can do, you told us we will be approved and its 2 days before closing, he then admitted multiple times that this was his fault., and he should have caught this long time ago, without costing us time and money in pre moving costs and appraisal cost etc. He then told us that the apprisal cost will be refunded do to this being their fault, he also said this to my realtor agent as well. 

Now he is emailing us saying he cant refund it, due to time invested.
Product: Vehicle loan or lease

I entered a contract with USAuto Sales on XX/XX/2016. The car was totaled XXXX. I took the proper steps to notify all uncooked parties. Finally on XX/XX/2016 XXXX XXXX emailed me the Service Contact Cancellation, which I returned. Prior to this I'd spoken to XXXX and XXXX as well as XXXX to resolve this matter, to which no resolve was EVER gained. I have tirelessly attempted to resolve this matter since that time. Provided numerous emails, documents and calls to render a resolution. As of recently, I have contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX most of which also promised a resolve also.
Product: Debt collection

on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over XXXX dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and XXXX complaint for crimes that take place over the internet.
Product: Debt collection

A hopital medical bill came to my address attention to me from someone who used my address when he got into an auto hit and run accident. After his release from hospital Ive been receiving the bill continously for several months despite my sending a letter informing them that the bill is not mine and he does not live at my residence nor I am his guardian. I do not even know the person. The bill is not mine. I am not the patient. For several months I am still getting the bill and now from a collection agency despite my numerous times of communicating with the hospital that the bill is not mine and I have no information regarding the whereabouts of this person. They are using my name and collecting from me on a bill that was never mine for someone whom I do know nor I have any relation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown person is attempting to open accounts in my deceased husband 's name, XXXX XXXX XXXX. He passed away XX/XX/2022. They were successful in opening an account at XXXX XXXX XXXX XXXX XXXX and have charged the maximum amount, {$9900.00}, on or about XX/XX/2022. This occurred even though I placed a fraud alert with the three credit reporting agencies. In addition, I received an alert from XXXX XXXX today, XXXX XXXX XXXX that someone was trying to use my husband 's information to charge {$960.00} at XXXX # XXXX in XXXX XXXX, NV on debit XXXX. I also had 5 hard inquiries into my credit report according to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes about this account XXXX XXXX # XXXX, not reporting accurately to my consumer report. Both Experian and XXXX XXXX keep making false statements claiming the account is reporting accurately and it is NOT! CFPB is suppose to make sure me as a consumer is getting treated fair and that's not happening in this case ...... 
According to 15 USC 1681 E ( B ) - ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. 
Also under 15 US C 1681i ( 5 ) Procedure in case of Disputed Accuracy- if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information 's found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall remove it from consumer report.. 

I have enclosed copies and high lighted all the inaccurate on this account
Product: Debt collection

I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway -- - without giving me any debt verification or notice according to federal laws. 
Also, I have attempted multiple times to verify the debt in the past five years XXXX with my son 's help ) and NO verification or validation has ever been sent through the mail. 
I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. 
Now the debt is almost time barred and they are suing without providing verification. I am XXXX years old XXXX and I can not read or write. Thankfully my son was able to send the validation letters and write this on my behalf. Someone please help. Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

Portfolio Recovery keeps calling and attempting to collect on money that I have disputed this the company. They are also calling and harrassing me and my family and friends stating they have a lawsuit against me and call them and myself at all hours of the day and night. I have yet to recieve anything in regards to a lawsuit or any paperwork from them period. They have been calling family members and telling them about my personal business and that they have a lawsuit against me and I dont even speak to these family on a daily basis. I would like for them to stop harrassing me and my family.
Product: Credit card or prepaid card

Hi there, I have a sallie Mae credit card, I have been making payments on time but I cant use the card. Upon call the company for last YEAR AND HALF they told me that the card has been blocked due to some fraudulent activity on the card. I said okay, now whats the fraudulent activity and they said I will have someone call you tomorrow and for past YEAR and Half no one has called me. They have been taking money from my account every single month. I didnt cancel my payment because it will affect my credit score. Last time when I called them they said administration will look into it and give a call back tomorrow, its almost one year and they never called me back. Each time I call them, they say their has been fraud activity on the account.I called them several times but always their answer would be same that they will call me tomorrow I called them again today and the story again. The number I have been calling is XXXX XXXX XXXX XXXX XXXX. 
I am going in circles so please help me before someone ruins my credit.
Product: Credit reporting

TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 3 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including XXXX, XXXX and XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
Product: Credit card or prepaid card

On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.
Product: Debt collection

I received a letter from Transworld Systems Inc. in early XXXX indicating I had an outstanding debt from XXXX XXXX account number starting with " XXXX '' which I do not recognize. I never received a bill from XXXX XXXX and they never attempted to collect any money from me. TSI also provided no additional information to verify what the amount is for. The letter did state I had until XX/XX/XXXX to respond by disputing or asking for additional information, but provided no date for when payment is due. 

I then received a second letter less than two weeks later attempting to collect the debt again with even less information. Upon viewing the payment site, it looks fraudulent and none of the phone numbers, logos and addresses match. I can even enter an incorrect SSN into the registration site when attempting to review the debt. 

This is highly unprofessional and has me concerned this request is fraudulent. If this is a first attempt at payment, then a due date should be provided and respected. The harassment of sending multiple letters is disturbing
Product: Debt collection

Affirm is the company that I had an account with and there was a fraudulent purchase using my account. I had discussed this with the company on several occasions within the past few months ( XXXX ). When I first disputed the charge, I kept getting email notifications stating that I still owed a balance and that my account was going to get charged off. I called the company back and the representative that I spoke to assured me that this would be taken care of and that it would take there fraud department close to a month to get back to me. He also assured me that my account would not get charged off and sent to collections because I notified him that my family and I were in the middle of a move across the country and that we did not need anything that would negatively affect my credit. My account was charged off and I have been denied residents to several apartments because of this issue. I was forced to pay the debt collector so that I could hopefully find a place for my family and I to live. I submitted a complaint to the debt collector and I will be submitting a complaint to the better business bureau. the amount submitted to debt collectors was approximately {$210.00}. Although the amount was not significant, it has made it impossible to get approved for housing during our move.
Product: Credit reporting or other personal consumer reports

I noticed some credit inquiries on all 3 bureaus XXXX, XXXX XXXX and experience that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX : {$530.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.