23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone.
Product: Debt collection

Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX of CREDIT SYSTEMS INTERNATIONAL, INC. on XX/XX/XXXX and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents. In the invoice, there is a due date listed on XX/XX/XXXX of {$1000.00} USD per violation listed and damages of {$18000.00} USD with a total of {$90000.00} USD. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

After reviewing my credit report ongoing .. There's a collection Agency.. WF/XXXX.. A Balance of {$1300.00} ... Opening date XXXX XXXX. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing as if the collection is new.. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudualant..
Product: Credit reporting or other personal consumer reports

All information is being reported to all Credit bureaus incorrect.
Product: Student loan

I previously submitted a closed CFPB complaint regarding switching to a different income repayment plan ( from IBR to ICR ). ( Complaint XXXX. ) I spoke to a specialist because I was misinformation : a previous representative told me I could verbally consent to changing the plan. She never mentioned that I had to submit paperwork. Because of the misinformation I was provided, the specialist I spoke to named XXXX, told me that I should submit the form as soon as possible and she would make a note in the file to have my request expedited. 

On Monday, XX/XX/XXXX, I faxed the paperwork. On Thursday, XX/XX/XXXX, I was told they did not receive my fax and that I should upload the form to their website. On Friday, XX/XX/XXXX, I uploaded the form to the website. Later that evening, I received an e-mail that my request was processed. In my file it showed that may request was approved and my monthly payment was reduced ( see attached ). However, this morning I received another e-mail about my request being reviewed and the review would not be completed until XX/XX/XXXX -- two days after my next payment. 

I called regarding both e-mail correspondences because they are conflicting. I explained to the representative that my request was uploaded and approved ; they might have received the request I previously faxed, which they should have disregarded -- not process the request over again. I was told I would still have to do a month of forbearance and pay a minimum of {$5.00}. Then why expedite my request? Also, why not refund a partial payment for this month as my forbearance month and allow me to start the new plan next month? There entire situation was caused by one of their representatives. If she would have given me correct information, I  would have sent in the required documentation immediately, and XXXX would have been my forbearance month. 

Additionally, the amount that they quoted ( {$420.00} ) in the closed complaint is different than the amount they calculated in the letter that is attached.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXX I deposited a Cashiers Check for {$91000.00} into my Bank 's, Bank of America, ATM. The bank is holding the money till XX/XX/19. 

It is my understanding that banks are required make the first {$5000.00} available in one business day. 

There has never been an overdraft with my account and the bank has received previous cashiers checks from the issuing entity with no funding problems previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some 3rd party company names XXXX XXXX XXXX XXXX XXXX XXXX WORKING FOR SCAMMERS XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. XXXX XXXX XXXX refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After 3.5 years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on TransUnion and XXXX  is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items that was not mine i sent in FTC report contacted my lawyer and sent in a dispute for a investigation I was never notified that my dispute was filed I contacted FTC to come up with a plan this is my next step before I filed a law suit because I trying to move on from this situations I was incarcerated when these accounts was opened and that's against the law to let individuals use my information and me being treated like a criminal ALL over again for a crime I didn't commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a XXXX XXXX credit card and was denied. In the denial letter, XXXX stated that the denial was based on negative information reported by TransUnion. After contacting TransUnion and receiving a copy of my credit report, I was informed by TransUnion that I had no negative information that could have been used in XXXX XXXX  decision. After days and hours on the phone, I was finally able to contact a representative from XXXX who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on XXXX XXXX  end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. XXXX declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for XXXX XXXX  internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as XXXX is completely ignoring me. Thank you.
Product: Credit card or prepaid card

I requested a credit increase on the XX/XX/2019. My account with capitol one is in excellent standing I pay my monthly bills and do not go above my credit limit. 
I felt discriminated when I received a letter from capitol one day my application was rejected and unable to give credit increase
Product: Vehicle loan or lease

I purchased a car from XXXX in XX/XX/XXXX. The loan provider for the loan is Bridgecrest. At the beginning of the loan period, the payments were on time. Unfortunately, I was impacted by COVID. This resulted in short term XXXX due to a COVID related illness. I communicated this with Bridgcrest on several occasions. I entered into several payment plans/loan modifications ( XX/XX/XXXX and XX/XX/XXXX ). I did everything I could to prevent a repossession. After many months of hard work, I have finally brought my account to current. I reached out to Bridgecrest and asked for a credit report adjustment to reflect current as I am not able to be approved for a mortgage ( or rental ) due to the late payments they continue to report. The refuse to comply with the CARES Act credit reporting mandates and report my account to current ; after entering into several agreements and loan a loan modification. From my understanding of the CARES Act, even if I was delinquent at the time of the modification, the creditor must report my account as current once the account is brought current as a result of that modification. The company states it is not their policy to offer adjustments. However, they will remove tradelines if the loan defaults and is charged off. In other words, if I would have let my loan get charged off, I would get a full reprieve. Even though I worked hard to maintain my loan and bring my account to current, my credit report can not be adjusted to reflect that dedication?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ).

5 ) Et seq.

Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/2024
Product: Checking or savings account

Company reached out trying to collect a 10 year phantom debt from XXXX XXXX saying I had little time to pay before legal action was taken. Got a call from a different person the next day from XXXX numbers saying they were from County of my residence and that they were sending cops to my workplace sense I wasnt going to pay. Company was spoofing caller ID as well. 

XXXX XXXX and XXXX XXXX were the two individuals I spoke to.
Product: Vehicle loan or lease

My father and I went to XXXX XXXX XXXX on XX/XX/XXXX to trade in my XXXX XXXX for a XXXX XXXX XXXX. We told our salesman as well as the sales manager, XXXX that we were starting a new business and this vehicle is for the business. We made it clear to them that we were using my fathers credit and my income in order to try and secure the loan. They ensured us that wouldn't be a problem. During the financing process XXXX explained to us that we were going to receive a call from XXXX XXXX for a phone interview. He told us we need to lie to the interviewer and tell them the truck is only for my father. We told the banker that this was going to be a company vehicle and we explained to him the same situation we explained to XXXX. We did not secure the loan from XXXX XXXX. XXXX told us that he had us approved by another lender. We signed all of the paperwork, cleaned out our car and left with the new truck. Two days later XXXX called and told us that the new lender was calling for an interview. This was obviously confusing because we had already signed and been in our new truck. He told us that we made exceptions with the bank and we wouldn't need to verify our income through documentation but we needed to lie to the bank and tell them that my father made {$4400.00} in cash as well as $ XXXX  monthly in Social Security benefits. All of this was untrue and we made it crystal clear to them that my father had no income. When XXXX with XXXX XXXX called we explained to him the situation and told him that the XXXX dealership was asking us to lie to him about our income and we refused to do so. We have been called by the dealership a couple of times since that interview. We told them that we would only be speaking to them through text or email since they have proven themselves to be untrustworthy. After being extremely rude and confrontational with my father they then told us they are repossessing the truck and letting our bank know where they could pick up the XXXX and have refused any further communication with us. We have been attempting to contact XXXX with XXXX XXXX to get an update on the loan status. We have left several messages with him over the past few days and have not heard back from him nor anyone else from the bank. We have reached out to our bank to let them know the situation on the XXXX ( We are showing to be late on that payment and it is damaging our credit history ). All the while, XXXX XXXX XXXX is advertising my traded in XXXX for sale. We have been left completely in the dark on this entire situation.
Product: Credit card

I opened a Sam 's club credit card when a clerk told that me I would " Receive {$45.00} off Instantly '' if I made a {$100.00} purchase the day I opened the account. There were signs all over the store adversiting this offer. When i received my statement the {$45.00} was not deducted. I called XXXX and was told that I was given wrong information. The credit would not appear for 2 or 3 months. I said I wanted to pay the balance, but I would deduct the {$45.00} dollars. I was told I would be charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint filed and was closed by CFPB. Received a letter on XXXX XX/XX/2022 from Equifax Information Services informing ME to supply THEM with a paystub, W-2, valid Social Security card , drivers license, rental or lease agreement, paystub, or utility bill to verify my identification and current address in support of the inaccurate information on my Equifax credit file.This request specifies that I must send them a copy of two different items one from each of the two categories listed below. One to verify my address and one for my identification. When I called Equifax information services as indicated by the letter, I was talked over continuously by their representative and placed on hold for 20+ minutes AFTER consistently requesting a supervisor only to learn that I had no file for them to change the information on. Therefore they are investigation into my concerns from the previous complaint was an outright lie! The representative also informed me that the information I would supply to them would create the file. When I asked where did they get their information from, I was informed from lenders. When I asked then why is some of the information wrong and he could not answer. I also asked why did they not use the information uploaded from the other credit bureaus into the previous complaint on the CFPB website. And he said they were not allowed to.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in the XXXX data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the XXXX data breach, and a validation of debt letter.