23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I was sent an email from XXXX [ for XXXX XXXX XXXX ] regarding past due monies XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount shown in the email is {$700.00}. They threatened to send the account to collections if not paid by XX/XX/year>. Because of the fact that the email was not sent from XXXX or XXXX XXXX XXXX, which is the company the XXXX is through, the email went into my spam folder and I didn't receive the letter until XX/XX/XXXX, at which point I immediately contacted them to let them know that I had only just then received the letter and had been trying to borrow money to pay the amount owed. I had been interacting with someone from the company and we had discussed setting up payments and she said she'd send me something, but I never received anything. Once again, I had been watching for emails from XXXX XXXX XXXX XXXX 

I have only been able to find part-time temp work since XXXX, and have been struggling and borrowing money just to pay my utilities and meet other obligations, so this account, which I've always tried to pay on time, was put off until I was able to get enough money to pay it. 

On XX/XX/XXXX I received an email response that my account had been sent to collections ( I found out when I called the number I was given for the agency that they had received my account the DAY AFTER I had contacted XXXX XXXX, XX/XX/XXXX ). When I called Aspen National Collections I was told that my total amount owed was {$1700.00} which shocked me because it was almost 3x what I was told was owed in the email that I received from the XXXX company. I tried to explain to the gentleman [ XXXX XXXX ] at the collections agency that the amount he was telling me couldn't possibly be correct and told him I had managed to borrow {$500.00} to put toward the payment, and he threatened me at that time that they will report this to the credit agencies and it will affect my credit. Since I hadn't received anything from their office yet, I told him I would wait until I received the letter, and immediately tried to call XXXX XXXX XXXXXXXX XXXX XXXX to find out what was going on. After digging the woman who I was speaking with managed to figure out that the amount that they had been telling me I owed was incorrect and it was actually double that. I pleaded my case to her regarding the email not being received and paying the {$500.00} and making payments to pay off the rest, and she tried to get her manager to approve it but was told that I would have to deal with collections. 

I finally received the letters ( yes, they sent two, apparently XXXX for each account that the XXXX company is claiming I owe ), and the letters received now show that I owe a total of {$1700.00}. 

I have had this XXXX for over 20 years and have always tried to pay on time or at least set up a payment plan. The reason I failed to set up a payment plan this time is because it really wasn't possible.
Product: Credit card or prepaid card

Suntrust ( as they love to say " Now Truist! " ), has been making me wait almost an entire month to make a single payment. They have shown double charges and reversals, telling me that they have indeed received everything correctly, only for it to go back to how it was. Eventually the Bank decided to send me a letter through snailmail letting me know there is a specific number I can call to try sorting this issue. Calling the number however, only induces more frustration as they inform me there's nothing " they '' can do until the payments that will- not go through, " finalizes '' and then they can start working with me. 

To be extra clear, I attempted two payments through the app. The first one I set up and saw no form of acknowledgement or confirmation, thinking maybe it didn't go through, I made another payment which also didn't show. Two day 's later I see them post to my account but eventually they reverse, for some unknown reason. I tried again through the app with no luck. It is after these events I receive a letter and make the call. The payment confirmations that are being sent to me ( over the phone payments with an associate ) state they are coming from a suntrust bank ( I do not have a checking account with them, and also they confirmed over the phone the Correct bank ) so I'm not sure what's wrong with their system, but, something is and they are making me pay for it with my time. 

This entire time however they've had no issue reporting my apparent balance to the Credit Bureau 's, that my card is at whatever % of usage, even though I've been attempting payment. 

Truist is going to make me wait to solve their issue, I've had previous, non credit card related issue 's for months, and they're making ME report to the credit bureau 's that there is incorrect info.

I've had multiple over the phone associates either speak softly, with terrible quality, or flat out rudeness. I have also had them hang up on me, in different circumstances. I've been put on hold for 10 minutes to have them hang up, I've also been told " okay wait while we transfer you '' and had them hang up. 
That's another game they like to play, no one seems to know which specific department to send you to so prepare to go round n ' round if you need to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts on Credit Report.
Product: Checking or savings account

On XX/XX/2017, XXXX XXXX XXXX  offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX  XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account   and " XXXX '' connected to a XXXX XXXX XXXX  account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX  XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX  breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX and Emperor XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

The company sent me a letter that they purchased my debt account from the original company and that they were handling it and that I had 30 days to pay I contacted them told them that I was currently unemployed and that I had no income and here it is one month later and I 'm receiving paperwork to go to civil court over a debt I can not pay because I own nothing and I have no income how can they do this when I tried to explain if I had employment I would be happy to set up a plan but I do n't so how can I pay if I have no money and I live with someone else?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of XXXX XXXX acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given XXXX, XXXX, EQUIFAX and XXXX XXXX to furnish/report information on my consumer report, Re : XXXX XXXX Acct XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Open Date XX/XX/2017 Balance : {$6400.00}
Product: Credit reporting or other personal consumer reports

This is my numerous 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 an 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 Balance : {$0.00}.
Product: Vehicle loan or lease

This complaint outlines multiple concernsirregularities, ethical lapses, and legal shortcomingspertaining to a vehicle sale contract executed with XXXX XXXX XXXX on XX/XX/2023. I was XXXX  due to XXXX  XXXX at the time, a state substantiated by XXXX  records and a XXXX XXXX XXXX XXXX. The dealership further compromised the contract through misrepresentation and a lack of due diligence. 

Background Incapacity to Contract : My XXXX  XXXX episode is supported by XXXX  reports and a XXXX hold. 

Dealer 's Misrepresentation : Despite XXXX miles on the odometer, the vehicle was inaccurately presented as new. 

Lack of Due Diligence : The salesperson facilitated the transaction, ignoring clear indicators of my XXXX  state. 

Details of Complaint Incapacity to Contract Timeline : XXXX  and the XXXX hold occurred in close proximity to the transaction date. 

Medical Evidence : Multiple XXXX  reports and XXXX XXXX  corroborate my XXXX  state. 

Misrepresentation of Vehicle False Information : The car 's XXXX miles contradict its " new '' label. 

Consumer Impact : This misrepresentation materially influenced my decision to contract. 

Lack of Due Diligence Unethical Conduct : The dealership facilitated the transaction despite blatant signs of my XXXX. 

Harmful Consequences : I am now burdened with an unlawful contract, facing considerable financial distress. 


The actions of XXXX XXXX XXXX stand as both ethically and legally dubious. I urge the immediate intervention of the CFPB in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request an update to my credit report regarding the reporting of late payment on my account wi Upon reviewing my credit report, I noticed that a late payment have been reported. However, according to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, creditors are prohibited from reporting payments as late when they have been made on time. I firmly believe that the reported late payments on my account were, in fact, made on time, and their erroneous reporting has adversely affected my credit score.

The impact of these incorrect late payment reports has been significant. My credit score has suffered, resulting in higher interest rates on loans and credit cards, and it has hindered my ability to secure favorable financial terms. This has caused undue financial stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. XXXX and Experian has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.
Product: Vehicle loan or lease

Wells Fargo Auto Loan # XXXX I am the Administrator of the Estate. Loan is two years old and current as of date of death. The customer died on XX/XX/18 the XX/XX/XXXX payment was paid on time. 

Contact was made with Wells Fargo on XX/XX/XXXX. I was told hey would not speak with me until they had a death certificate and a Court Order appointing me as Administrator of the estate. 

The case was filed in Probate Court and a hearing scheduled for XXXX. The appointment was made and certified COURT ORDER along with a CERIFIED Death certificate was emailed to Wells Fargo on XXXX. 
Another call was placed on XX/XX/18 I was told they did not received my initial email after a two hour run around between four departments and numerous rude people SCREAMING AT ME, none of these employees would provide any information as to how to pay the loan off and get the lien release to clear the title. 


A second email was sent on XX/XX/18 with above requested documents along with a request for instructions on how to payoff the loan and have Wells Fargo send a lien release. I was sent to a department called " The Customer Assistance Team '' a girl who identified herself as XXXX got rather rude with what I considered a routine request as yelled at me That I would not control the conversation. 


Realizing that conversation was going to go nowhere and being worn out now from about ten hours either on hold or being yelled at and transferred amongst departments I asked to speak to the president of the bank I was then hung up on. 


On the evening of XX/XX/18 I heard a strange noise in my garage. Upon investigating the noise thinking it was a thief I found myself pointing my XXXX XXXX XXXX at a Wells Fargo agent who said he was there to steal the car. He made a very sound decision and left my property.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report. 

Inquiries 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, credit repair services, or other personal consumer reports

Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to Experian, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian

, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.

CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed Information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer. 

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

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Product: Student loan

Ive been making student loan payments religiously several years now and it never gets paid off. Ill be on added a bunch interest back in from when it was in deferment. CFPB was supposed to be suing them and get Trying to get a settlement. Hardly any goes on the Principle all I should always have the max on my income tax statement of say {$600.00} paid in interest, Its always far far less than that. Its a sham to make  regular payments and it will not get paid off. The payments that keeps getting higher every month too.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got laid off from my job that I had for more than 10 years, I changed company but the salary was not enough compared what I used to earn, I applied for a personal loan with Discovery bank in 2022, I couldnt afford the payment of this loan later, they filed a lawsuit about 3 months ago, I called them I try to make an payment installments they only gave an option to pay {$280.00} per month, I explained that I had a career change at this moment I couldnt afford it, they told me if I cant afford it they will proceed with the lawsuit!! 
I didnt have any other option that to take the agreement because I cant afford a lawyer to represent me. 
I been making payments only what I can afford they been taking the payments. 
At this point I dont know what its my options as a consumer. 
Please advise!!! 
Thank you!!!!
Product: Consumer Loan

I made an early payment to my account with Volkswagen Credit on XXXX/XXXX/2015. They had a wrong address on file and I was n't notified of the payment not being processed. I have also had issues with the telephone payment system previously not posting a payment and not allowing me to repeat confirmation numbers. They would not investigate this after numerous attempts to resolve the issue. They stated that they had no record of me calling on XXXX/XXXX/2015 which in response to I asked to send my phone record of having done so. They would not allow me to do so nor would they investigate the issues I had with the billing system.