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

InXX/XX/XXXX it came to my attention that my credit card history with XXXX XXXX ( a credit card I've had since XX/XX/XXXX ), is not showing on my Experian Credit Report ( though it IS showing on XXXX  and XXXX  ).

I called Experian and they informed me that they collect all reported information from XXXX XXXX   and that the problem must be with XXXX XXXX. To look into the issue they filed a research inquiry.

On XX/XX/XXXX, I contacted XXXX XXXX  to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to Experian to make sure that this card is showing up.

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my Experian report, I followed up with XXXX XXXX. They once again assured me that they are reporting it, that it must be a problem with Experian, and they once again promised to file a request. I then followed up with Experian, and they too assured me that everything that XXXX XXXX reports they include, and so the problem must be with XXXX XXXX. They too attempted to assuage me by initiating a research request.

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my Experian credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit.

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.
Product: Debt or credit management

I signed up for National Debt Relief in XXXX of XXXX. I had been a victim of XXXX and fraud of the company I got it from, causing a domino effect of debt to accumulate ( the fraud prevented any gov assistance for 7 months ) which compounded with being a victim of a XXXX XXXX XXXXXXXX just before XXXX fell. I have had my entire lifes savings and work taken from me through no fault of my own. I wanted to settle down the debts though so I may move forward someday. This company when I called in XXXX, ended up speaking to me for approximately 2 hours in the initial call. They did not disclose any information about their own fees, only that they were there to negotiate new lower balances for the 5 credit card accounts enrolled. I have been paying XXXX $ every other week since, contributing to these balances, 3 of which had been lowered. 
I had a change in circumstance in XX/XX/XXXX that resulted in being able to pay {$4000.00} towards the debts. 
I called again, twice, to specify my payment was only authorized to go towards 3 specific accounts out of those 5 to settle as many as possible to improve my credit so I may get a new car with better credit. 

When I called after the payment processed some days later to verify the accounts were paid, I was told of a new settlement fee on the other 2 accounts which total just under the balance fee. Approximately {$2000.00} of that {$4000.00} went towards a settlement fee that I did not authorize. Not only that, but at no point in time was this settlement fee made clear to me from sign up to now. I have no idea where it came from, but it is equivalent to what my biggest account balances already are, effectively doubling my debt, not relieving it as initially thought. Id been under extreme duress as a XXXX XXXX XXXX XXXX XXXX XXXX where health issues have mounted in total lack of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I requested someone from the company explain why no employee explained their settlement fee until I made a $ XXXX payment that they assured me would be processed as I specified, half of which was taken by this company with new fees that doubled my debt, not relieved it, that Id never seen before or heard before. When I asked them to explain why this is the first I am hearing of this, and to please process as requested, I was literally laughed at like Im stupid and was told through a clear smirk on the phone that Yeah, youll never get that back. 

I was told a supervisor would call me back at XXXX on monday, today, to answer my 2 questions. This has not been done either. I am sick to my stomach at this situation as a customer ; I have just been violated all over again without consequence yet.
Product: Debt collection

Someone at XXXX calls my home XXXX or XXXX times a day for another person claiming they are an investigator and she committed fraud. He even gave me the last XXXX of her social security number. I told him he should not be giving out personal information on this person. He said if I knew her I better tell him. I told him I knew her but this was not her number and stop calling my home. He got very irate and told me this was the number he had on file. I told him to remove it and stop calling here and hung up. He called back XXXX more times threatening to go to her job and what could happen to me. I told him do not call my house a gain and I meant that. He told me this was the number her had on file and he would continue to call. He ever gives his name, just that he is an investigator. Wish I could sue him. I am a XXXX, had a XXXX XXXX in XXXX and do not owe any money he is trying to collect. My XXXX XXXX went up yesterday after the harassment. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the two Bankruptcies with Trans union XXXX and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes i was taking a look at my credit report and noticed these two inquiries on my Equifax credit report that i do not recognize the first one is XXXX XXXX  the inquiry date is XXXX Second one is XXXX XXXX XXXX  XXXX XXXX is XXXX the actions that were taken by the company was simply for me to call you guys or submit one of these.
Product: Credit reporting or other personal consumer reports

o XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX The above mentioned account have been disputed directly through the businesses and via equifax, transunion, and experian and to-date they have not provided me any contracts, specified amounts dates and legal proof these debts are mine and refuse to remove from my credit report. 

I have no knowledge of these accounts and I have also been a victim of the recent data breaches.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX 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, credit repair services, or other personal consumer reports

Account Info Account Name XXXX XXXX XXXX Account Number XXXX This is on my credit report twice and it has been reported from a debit company that bought the debit. So it is on my experian report 3 times.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my XXXX account was hacked and suspended. Later on the same day, in an effort to regain access to my account, I called a " customer support '' for XXXX that a trusted friend shared with me. 

The people on the other end of the line were incredibly convincing, telling me that my XXXX account was suspended because scammers had accessed my financial information from XXXX XXXX. They even took me to a website that showed me where in the world people were hacking my account and showed me profile of a man named XXXX who was the key hacker they were going to report to the FBI. 

They convinced me to download a screen sharing app on my phone so they could help me identify any fraudulent charges on my Chase accounts and asked me to transfer {$1000.00} via XXXX to one of their accounts, XXXX XXXX with the email XXXX, to verify I was the owner of the account. I hit " cancel '' as soon as the money was sent fearing it wasn't legitimate, not knowing that XXXX transfers can not be cancelled. They then told me to download a XXXX app and deposit {$10000.00} in a local XXXX ATM with my ID and a XXXX code that they texted me. I was still sharing my screen when I enrolled in the XXXX app so they were able to see my face and my drivers license and potentially take screenshots. They told me hackers had all my personal information and were trying to make unauthorized purchases on XXXX for that amount and that if I did it with my identification verified it would cancel the fraud transaction they were attempting. The XXXX ATM required a debit card, which I did not have so I was told to go to another one as close in the area as I could. I was very uncomfortable and starting to get a lot of red flags so I only deposited {$50.00} to check their story and it was not what they had told me would happen over the phone. 

They got very angry and even more so when I wanted to get off the phone to call someone else to clue them in to what I was doing. They told me if I hung up it block their secure connection and the hackers would be able to drain my bank accounts. I asked them to send me an email to confirm they were actually with XXXX and they refused. They said XXXX had sent me enough notifications about the status of my account. They even wanted me to say " I will not blame XXXX for any money that goes missing from me account '' before they would give me authorization to hang up ( which I did not say and hung up anyway ). I then realized that they were scamming me and did not move forward with them and more. 

My bank, Chase, was unable to help me with the XXXX payment I made since it was due to a scam/fraud. They encouraged me to file a report with CFPB with hope you all may be able to assist or help get the money back.
Product: Debt collection

I was sent a bill of collections from American water that my ex husband changed into my name when I had created my own account. This is my ex husbands debt
Product: Checking or savings account

On Monday,  XXXX   XXXX ,  2017 , at approximately  XXXX    XXXX   Central time I attempted to log into my Bank of America account online only to be told to contact customer service. I am assuming that my account was closed due to the other CFPB claim I have pending with them. That claim number is  XXXX . No one called and asked me any questions nor did they even advise me that they were about to close my account. I demand that I be able to go into a branch tomorrow,  XXXX   XXXX ,  2017 , and withdraw my money from the account. I am currently in the process of moving and this is holding me up as I do not have an active debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX theses accounts above, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Acct # XXXX {$570.00} I have sent this company a debt validation letter twice and to date they have never responded. 

Midland Credit Management. Acct # XXXX I have sent this company a debt validation letter twice and to date they have never responded
Product: Student loan

My paychecks started being garnished for this PHEAA school loan on XX/XX/XXXX the amount owed was at that time was XXXX ( see uploaded documents. ) My employer closed its doors in XXXX I notified AES and XXXX XXXX, XXXX of the job loss.. I started my next job at XXXX XXXX in XX/XX/XXXX I contacted the AES company that was handling my loan and they informed me that i have not payed any PAYMENTS on the account even tho I FORWARD them the EMPLOYER ACKNOWLEDGEMENT OF WAGE WITHHOLDING form that I and my boss signed they said I had no payment on file and my loan was sent back to the PHEAA. On XX/XX/XXXX I received a NOTICE PRIOR TO WAGE WITHHOLDING from XXXX XXXX XXXX for the amount of XXXX. I contacted them right away and spoke to a customer service representative named XXXX we agreed to a repayment agreement threw the rehabilitation program my REF # XXXX. I paid the required monthly payments and was awarded COMPLETION OF LOAN REHABILITATION PROGRAM from the PHEAA ON XX/XX/XXXX I contacted the PHEAA to ask about payment and where to send them the PHEAA told me I would be contacted by XXXX and that's who my loan was sold to I then asked about the PHEAA taking that loan off my credit report but it never did they just closed the account. So months went by and on XX/XX/XXXX..i received a monthly statement from XXXX. But in XXXX OF XXXX I WAS INVOLUNTARILY FIRED FROM MY JOB AT XXXX XXXX AND I FEEL ON TRAGIC TIMES I JUST STARTED WORKING AGAING FULL TIME IN XXXX OF THIS YEAR SO I HAVENT EVEN BEEN WORKING A FULL YEAR YET AND I WANA NO WHER DID THE FIRT GARNISHED PAYMENTS GO I HAVE DID MORE THAN COOPERATION TO GET THIS TAKIN CARE OF BUT IT SEEMES LIKE EVERY TIME I TRY TO GET A GOOD START ON PAYMENTS IT GOES BACK TO PHEAA AND BACK TO DEFAULT I DID MY PART OF THE PROGRAM THEY DID NOT DO THEY PART AT ALL SPECIFIED IN THE AGREEMENT I THINK I SHOULD BE ABLE TO START THE PAYMENT AT WHAT XXXX HAD IT AT AND PHEAA should clear my credit REPORT
Product: Debt collection

Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB XXXX, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.
Product: Credit card or prepaid card

I made a late payment in XX/XX/2019 of what I thought was enough to cover my past due amount. I was unable to determine the past due amount because my statements are not being sent to me electronically and also are unavailable on the companies website for me to access. By choosing electronic statements it is my understanding that the company is required to provide via email and or make available online which neither is being done. As a result I incurred a 30 day late because my payment amount had changed and my {$50.00} XXXX payment was short {$22.00}. I have since paid the additional amount to bring account current.
Product: Debt collection

I downloaded XXXX XXXX  & noticed that I have a DEROGATORY MARK!? from debt amount owed to XXXX, so I looked into it further & it was submitted from the XXXX XXXX XXXX XXXX. {$150.00}. So I disputed because if & when I even had this appointment -I HAD/HAVE insurance.. & it definitely would have been covered under. So I filed a dispute because when I researched further the date of service is a date I didnt even have an appointment on..?! So I kept disputing & they made their decision - from documents or info provided by the company so now I am stuck with a derogatory mark for reason unknown! I had no clue of this until downloading XXXX XXXX
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 my 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 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: Mortgage

I had a loan with XXXX, which was sold to Mr Cooper late last year. 

I received a notice that my taxes were unpaid and that my home would be part of a tax sale. 

When I check the websites for both banks, they both show as if they each paid their half of my taxes. 

Upon further review, it appears that Mr Cooper did not pay properly, and now my name and address are publicly posted in the local newspaper, as if I failed to pay my own taxes. Completely embarrassing and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.
Product: Credit card or prepaid card

# 1 Home Depot Credit card - the store checkout person sold - you will get a discount. 
1. I signed up, with our excellent credit, got approved for one transaction {$120.00} 2. Returned some stuff, account was down to {$54.00} 3. When I tried to pay, it said you were trying to pay more! Rep said there was a pending return slip of {$53.00}, and took that payment {$1.00}. Ok {$0.00} balance, right? 
4. Wrong! XX/XX/19 - I looked online, had late fee of {$28.00} on top of $ XXXX- {$1.00} ~ {$53.00}. 
So I called them, and paid with {$53.00}, rep said will delete late fee. 
5. XX/XX/19 I check online account, yup ANOTHER late fee, called rep, saying first no {$53.00} payment, then more detailed that yes there was a payment {$53.00}, that was deleted later, that is why ANOTHER late fee and {$53.00}. But wrinkle was that actually only {$45.00} due in their backend system. I offered to pay with a credit card so to get a compete account. 
6. XX/XX/19 XXXX - asked same rep in # XXXX above to bump to supervisor XXXX emp id XXXX and she said cant take credit card even if charge convenience fee. She took my debit card to pay off account {$53.00} and I asked to close account. Conf # XXXX. 

4+ rep interactions - Consumers time got to be worth minimum wage! 
Home Depot is awful in credit card DIS-services. 
My advice - don't fall for their promos, etc. 

# 2 A separate fear I have, is that returns are nickel-and-dimed, not sure if all of them made it, as the background entries show discrepancies - like pig in a python .. the digestion seems to take month+. Witness {$54.00} shown, but -XXXX credit " return pending '', then next time -XXXX only not -XXXX due. XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and XXXX and haven't received nothing in the mail. Only TransUnion. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Product: Credit card or prepaid card

Comenity banks website is down and Im unable to access my account online to pay my credit card bill thats due XX/XX/XXXX. I have been trying to get through for several days now ( XXXX XXXX XX/XX/XXXX ), including calling customer service. However when I call, the automated response ends the call and when I actually got through one time on XX/XX/XXXX, it was glitching. Im not sure how to pay my bill and comenity is not communicating when this problem will be resolved, and whether they are waiving late fees for bills due after XX/XX/XXXX.