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

In XX/XX/XXXX, I was informed by a customer service representative from Self Financial that my secured credit card account had been hacked. As a result, the account was closed. For several months, I was unable to log in to make payments. I was told by the representative that the account would be closed and that late payments, late charges, and other fees would be removed. While some fees were removed, the late payments remained on my consumer report. 

I continued to reach out to Self Financial to inform them that the late payments had not been removed. XXXX years later, in XX/XX/XXXX, a member of the managerial team named XXXX finally contacted me. She apologized for the handling of my case and the delays. XXXX assured me that my account would be zeroed out and that the late payments would be removed from my report by XXXX. However, I still see late payments listed on my XXXX and XXXX reports. 

This situation has caused me significant harm and has devastated me, as I have been unable to obtain credit due to the ongoing late payments. Each month, a new late payment is reported, making it even more challenging for me to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I tried to pay the parking after a Dr. appointment with united Explorer MileagePlus Visa with Chase this card I have been using for more than 40 years the account is current and good standing, the amount was {$12.00}, for no reason the payment was declined, that was embarrassing and made unnecessary delay and exposure to traffic delay, I rushed to my clinic and I was shocked when I saw a note " Online '' the at my account is closed!, I called the customer service and they did not give any ligament reason to close the account, the violated their agreement and caused damage for my integrity and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing as it seem to be an inquiry ; no account number, the address is XXXX XXXX  XXXX XXXX XXXX XXXX CT XXXX
Product: Money transfer, virtual currency, or money service

I bank with wellsfargo and been with thIs bank for many years. I signed up with XXXX through my bank thinking I was protected if any fraud or scams were to occur. I made a payment in the amount of {$450.00} for a XXXX XXXX gift for my mom. I scammer never sent the merchandise and I am unable to get back in contact with them. I contacted XXXX XXXX   no help. Contacted my bank they told me there is nothing they can do. How could this be happening I asked? I used my bank account to access XXXX like I always do thinking Im protected when sending money. Unfortunately WellsFargo did nothing to help and the Representative saw the transaction and told me the payment was sent to a XXXX account.
Product: Credit reporting or other personal consumer reports

LOUSY TRANSUNION AND XXXX SAID THEY COULDN'T IDENTIFY ME AT XXXX AND REFUSED TO PROVIDE TRANSUNION AND XXXX CREDIT REPORTS EVEN THOUGH XXXX DID IDENTIFY ME AND PROVIDED ME WITH MY XXXX REPORT.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance {$240.00}
Product: Payday loan, title loan, or personal loan

NetCredit refuse to honor their agreement. I became quite ill and treatments were delayed due to COVID-19. To avoid defaulting I called NetCredit who set up a payment agreement to be paid off by certain date. I was informed that late payments or derogatory information would not be submitted to my credit report after paid in full. Loan was paid off earlier than agreement. Despite agreement NetCredit reported 30 days late on my XXXX  Credit Report. I called NetCredit for resolution. The customer service staff had difficulty with understanding or handling this type of issue. Seem totally foreign to NetCredit staff. I spoke with XXXX ; thats the name she gave me. XXXX did not know what to do she left me on hold for long period. XXXX returned to the phone and told me that I would need to send NetCredit my Full credit report in order for me to be considered for having 30 day late removed. I ask XXXX why full credit report was needed? She was unable to answer. I called collections and the male rep who answered phone gave me the same lame answer and did know why my Full credit report is needed. I told him I could send the portion of the credit report that pertains to NetCredit but felt it was unnecessary, extreme and breech of privacy to send you my complete report. I asked NetCredit what were they looking for on my report. You have record that you sent this derogatory information to the credit bureaus. Why additionally, does NetCredit need me to go through the trouble to order a full history of my credit report. Im not applying for another loan and will never go through another one of your high interest loans. None of the representatives ; including a Supervisor was able to explain why it was necessary. I was given the feedback line as a means to escalate. A feedback line is not an XXXX XXXX to escalate a problem. Please look into this matter. This companys communication is very challenging. Information is not pass along efficiently or accurately. The left hand does not know what the right hand is doing. Im asking NetCredit to please consider removal as agreed. I have successfully paid off as agreed ; earlier as agreed. I do not feel I should be forced to give them my full credit report. Who does that? No other agency ask for these over the top prerequisites to be considered for removing derogatory information. I dont understand why this agency is so punitive with a client who was committed with paying them back their money. Despite illness and circumstance I made the sacrifice to make sure they were paid. I requested that they make good on their promise. I requested a 30 day late payment to be removed and their having me jump through hoops ; this process seem violating and just plain wrong. Again I should NOT be forced to pull a full credit report before NetCredit will even consider looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I was going over my prepped I noticed a few accounts i do not recognize So far none of them has been able to provide such proof to me. I have sent follow- up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
Product: Credit card or prepaid card

Received a voice mail that {$340.00} was charged to my Amazon Credit card and they wanted to confirm or deny the purchase. 
When I called ... ..the foreigner kept repeating they were here to help me and kept confirming my address. He also tried to educate me regarding XXXX addresses. 
I knew then it was a scam and I told the caller that. He tried to transfer me to an 'account manager '. I hung up. 
Here are 2 phone numbers I have for this scam XXXX XXXX
Product: Debt collection

Bull City Financial has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of XXXX  and XXXX. 

I was told by Bull City Financial that the item would be deleted if I paid. I did and the account is still being reported. 

Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$160.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged. 
Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports.
Product: Mortgage

my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party
Product: Student loan

I get phone calls/ answering machine messages from Discover Student loans ( I attended Rhode Island XXXX XXXX and when I call the number back it takes me to a cruise sweepstakes I 've won. They also harass me during hours that are n't legal.
Product: Student loan

I previously had payments going through with the XXXX for monthly payments. After realizing these payments stopped going through, I called the XXXX back in XX/XX/XXXX/XX/XX/2019 to start making payments again. XXXX said they could not do anything for me, and connected me to Navient. When speaking to Navient, they seemed to be clueless about the process and told me there was nothing they could do unless I paid them the amount of around $ 600- {$800.00} that day. After I told them I could not do that, they then told me I should look at the other programs out there to get this resolved. I told them all i wanted to do was start making payments again but they continued to tell me there was nothing they could do. I then started to look into what other options I had and it started to make no sense that Navient could not do anything for me, so I called again and got another clueless rep who just wanted me to pay money that day. All i wanted to do, was start making payments so it doesnt go past the defer date. Fast forward to XXXX and I am getting a notice my wages are being garnished. I called XXXX, they used the excuse they could not do anything at the time because the account was with Navient. I called Navient to get their excuse, and in return just got some rude lady who again did not care and again told me theres nothing they could do because it was sold through the XXXX. Since my loan was then sold through the XXXX to another collector, interest was added. It feels like they intentionally blew me off so my account would defer and more money could be collected. If I called both the XXXX and Navient trying to get this resolved ( and have phones logs of this even though they tried to deny it ), but continuously get blown off, why am I supposed to deal with interest added for this XXXX up? I am being forced to sign into an agreement with another servicer, because if I dont an unfair amount of wages will be garnished to where I can not pay bills. Originally when I called the XXXX, I wanted to see if they'd admit to me calling them in XXXX, and they said they do have records of this. However, when I got on the line with someone else to get an excuse why this happend, mysteriously they have no records of me calling. I doubt this will do anything for me and doubt anything will happen to Navient or XXXX, as this has happend to several other people and they have a track record for this kind of behavior.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( MONTHS REPORTING 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. 


EQUIFAX 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 reporting or other personal consumer reports

Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance.

As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status.

Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-I have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting 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 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Received letter in mail saying I owe a XXXX XXXX  XXXX cents and I never been to this gym not one time or signed up for this membership
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : CAPSTONE CREDIT & COLLECTIONS, LLC Address : 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 Dear CAPSTONE CREDIT & COLLECTIONS, LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( TransUnion, XXXX ) claim they can not remove an unauthorized inquiry from my account.
Product: Checking or savings account

On XX/XX/year> there were XXXX charges made in XXXX California. XXXX in the amount of {$79.00} and XXXX in the amount of {$75.00}. I disputed the charges on XX/XX/year>. The charges were reversed on XX/XX/year>. Today, XX/XX/year> XXXX charges in the amount of {$75.00} totaling {$450.00} were applied to my account. Upon contacting Citibank they advised that they determined these XXXX as valid on XX/XX/year> and debited the amounts from my checking account today. When I inquired on how they made the determination I was advised that they could not disclose that information. I advised that I did not received any notification and asked to have the letters sent to my home address in Virginia the associate told me no and to call back the next day. When I insisted on having the letters be reissued as I could not dispute their determination without them, the associate disconnected the call.
Product: Student loan

I initially applied for public service loan forgiveness back in XXXX of XXXX when the designated lender was XXXX. After multiple months of back and forth with them on the processing of my application I finally received confirmation that I had met the necessary threshold for forgiveness however I was notified that given the ending of their contract with the Department of Education that my application would be forwarded over to MOHELA for completion. Since that has taken place many months ago I still have not received any notification from MOHELA on the status of my loan forgiveness. In fact the information that they have noted on my payments is incorrect and I have contacted them on multiple occasions via phone and email to indicate such. I even resubmitted my public service loan forgiveness application and certifications to them again so they could see the discrepancies and all they did was cancel my duplicate application. Every time I have made attempts to contact them to gather information on the status I keep being informed that they have an influx of applications and it's going to take a long time to process. I'm told it'll take 30 days, then 60 days, then 90 days by now it has been practically 6 months since MOHELA has had my application and I still have heard nothing about correction to my payments nor whether my loan has been forgiven. 

I have emailed them about this on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have called them on at least 3 occasions but unfortunately I have not taken down those exact dates.