23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

My debit card had to be changed. I updated it in the system but they have sent my account to a debt collector!! for XXXX XXXX dollars. When the payment failed I logged in and updated my account so when the next attempt came, they could take their money. Well they did not and now I have debt collectors emailing me for Klarna 's money and Klarna emailing me to spend MORE money through them! 
Which is completely counter productive to the whole purpose of having this type of installment service. 
In addition to that. I signed up for phone notifications. The phone notifications for payment stopped once the last payment wasn't received. 
Aren't I supposed to be informed of my being sent to a debt collector? I was not. 
Then I call customer service and like every other customer service, they pick up and stay on the line until you hang up. I am on hold now. for 11 Minutes so far. It is XX/XX/2022 it is XXXX. 
So the customer service is not being provided as it should be. I would pay on the phone with them but I am not paying no debt collector and I am not downloading the app. All it does is harass you to use their service. So you can be harassed by their mistakes. XXXXXXXX XXXX their fake customer service rep hung up.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

ON XX/XX/year>, I, XXXX XXXX XXXX, SUBMITTED A DISPUTE VIA TRANSUNION 'S WEBSITE. IN THE DISPUTE, I SPECIFICALLY STATED THAT IF THE ACCOUNT IN QUESTION WAS VERIFIED, PROVIDE TO ME ANY AND ALL DOCUMENTS USED TO VERIFY THE ACCOUNT. ON XX/XX/year>, I RECEIVED RESULTS FROM TRANSUNION THE ACCOUNT WAS VERIFIED BUT THE CRA DID NOT PROVIDE THE INFORMATION I REQUESTED. INSTEAD THE CRA SIMPLY SAID THE ACCOUNT WAS VERIFIED. BY NOT PROVIDING ME WITH THE REQUESTED INFORMATION, TRANSUNION IS IN VIOLATION OF 15 USC 1681g.
Product: Credit card or prepaid card

Attached is a letter dated XX/XX/2022 from XXXX XXXX  showing that they sent Apple Card-Goldman Sachs payment of {$320.00} for account number ending in XXXX. As of this writing, payment still has not been posted. It seems rather obviuos and intentional that this banking institution purposely processes incoming payments slowly in order to gain additional interest. Also, for the record, the other two creditors listed on the attached letter, have received and processed the payment that was sent at the SAME time. I suggest that the CFPB investigates the payment processing practices of this shoddy bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing school on my report that I never attended XXXX Univerisity XXXX XXXX XXXX University
Product: Credit card or prepaid card

I moved XX/XX/XXXX and called in a change of address to Newman Marcus. I have a number of cards and all the others changed my address so everything went fine. I dont use the Newman card that  often but used it at XXXX of XXXX. I never received a bill and didnt think of it because I dont always use their card. I only use it when it gets a discount. 

I tried to use my card last month and it was declined. I inquired as to why and was told of the charges. I let them know that I had not received a statement. I let them know I had records of changing the address. I told them all the other changed it with no issues. They asked if I had a Saks card. I told them yes so the looked and could see that I changed my address on it in XXXX of XXXX. 

The had my correct phone number and email but sent nothing. I told them I wanted to pay this right away but would only pay the original amount of {$940.00} and not the XXXX they say I owe now. I also asked that they report the the credit bureau that this is their error and to remove it from my report. I left several messages starting on XX/XX/XXXX for the customer service manager at the XXXX store Mr XXXX XXXX. He never returned my calls. 

I called the credit department XX/XX/XXXX they said the would take a couple of months interest off and I said I wanted to speak to someone who could make it right. They told me I would receive a call back in 7-10 days. Nothing happened I downloaded my account info and called the number on the downloaded statement. I was told the same thing again after being placed on hold for 24 minutes. I asked for a supervisor. 36 more minutes later a  supervisor named XXXX told me the same thing. I asked for escalation but he informed me that he was the highest person on the matter. I asked for his last name but he would only provide his employee ID XXXX. 

I want to pay the bill right away but want assurances that they will drop the extra charges and report the error the the credit bureau.
Product: Checking or savings account

My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking
Product: Mortgage

I secured a home mortgage in XX/XX/XXXX with a mortgage company affiliated with XXXX, which dissolved in XX/XX/XXXX. In XX/XX/XXXX, I stopped paying the mortgage as I did n't know who held my mortgage.In XX/XX/XXXX, XXXX claimed to hold the mortgage and brought a foreclosure suit. On XX/XX/XXXX, a XXXX County Foreclosure Court Judge dismissed the case as being without merit. Now, WELLS FARGO HOME MORTGAGE and its servicing company, AMERICA 'S SERVICING COMPANY, put themselves on all my credit bureau reports as the same mortgage holder for the same XX/XX/XXXX mortgage.I disputed the credit bureau reports in XX/XX/XXXX and those XXXX companies refused to remove themselves from my credit bureau reports. Can you please help me rescue my credit bureau reports as it is ruining my professional career with XXXX.
Product: Credit reporting or other personal consumer reports

This account has been discharged see the enclosed 1099C and the legal forms about the complaints to the other credit agencies
Product: Debt collection

Southwest Credit System has been informed several times that this XXXX account was involved in identity theft. They refuse to remove this account and have now reported it to all three credit bureaus and they need to remove this. I have attached the Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX. Account # XXXX XXXX : XXXX. Account # XXXX Experian : XXXX. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the inaccuracy of this account being negatively reported on my credit reports with EQUIFAX ; This account in question IS NOT THE CORRECT AMOUNT Being reported ; my son XXXX XXXX XXXX is now XXXX XXXX XXXX XXXX ; has been XXXX  as of XXXX  ; and his current XXXX is passed the XXXX XXXX limit to collect child support in the state of New York! 

In quoting ny.court.gov in which it clearly states : " In New York State, a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. '' However, NYS DEPT OF SOC. SVC. CHILD SUPP AGENCY is Still attempting to collect child support illegally, and thus continuously reporting illegally to Equifax despite my many attempts to resolve this matter. 

Equifax has Failed to provide me PROOF that this account is 100 % accurate and the amount reported on my credit file is 100 % Accurate according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), in which it states you are required by federal law to verify the accuracy of any reporting to my credit files, if disputed by a consumer, within 30 days. 

If this account ending in XXXX can not be verified as being accurately reporting with accurate amounts being listed as owed, It MUST be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a )
Product: Credit reporting or other personal consumer reports

Reviewing my credit report recently, I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove from my file.
Product: Debt collection

ARA has called our home repeatedly even after we requested that they stop calling and threatened legal action on an auto loan that my husband had in the XXXX. They also knew the companies that we have credits cards with and the balances and limits on the cards. They said that they were going to charge the amount that they say we to our credit card. They were insulting saying that if were we responsible adults we would pay what we owe.
Product: Checking or savings account

Since Wednesday, XXXX XXXX XXXX I've been encountering issues with Capital one. 
My XXXX XXXX was never deposited and today my paycheck wasn't deposited either Now I'm getting calls from creditors saying I didn't pay my bills. I made payment arrangements I'm not meeting due to Capital ones negligence. 
The funniest thing is that Capital one has the audacity to send me insufficient funds emails when it's their fault my funds aren't in my account. 
I'm a single mom
Product: Debt collection

I went to the hospital because I was having difficulty breathing and spitting up blood, I paid for the services with health insurance ( I worked for and had insurance through XXXX, a pharmacy chain ) over the phone with the hospital and they accepted it but I'm still being charged {$1900.00} for services I already paid for. If it's not usable what's the purpose of paying for health insurance
Product: Debt collection

I sent a validation dispute letter to Enhanced Recovery Company on XX/XX/21 to validate an account that they placed on my credit report on XXXX  and XXXX. They have not responded as of today. I also contacted XXXX, which on the credit report is stating was the original creditor, and they have no records of this.
Product: Credit card

When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but Wells Fargo is out for blood. 
Wells Fargo never sent me the original contract I asked for. 
Wells Fargo also never balanced there books with me. I believe they have evaded the tax when it comes to my Private PropertXXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX and XX/XX/XXXX the recipient was supposed buy car parts never received parts or confirmation of parts ordered and Cashapp would only help with one transaction. I have requested it back with no response. Cashapp is no help
Product: Checking or savings account

I wanted to open a saving account with Marcus Bank and they rejected my application saying that they could not find and validate my identity. I have valid SSN, XXXX, Passport etc. so why they would reject my application.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a proper reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These documented failures reflect my own experience, as Experian has neither corrected nor removed the disputed items on my credit report, despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either amend or remove the disputed accounts. Experians failure to address these issues violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/2023 after receiving a letter in the mail from LVNV funding stating that I owe a debt in the amount of {$630.00}. This account is fraudulent and is not mine at all. I was incarcerated when this account was created. I want this account to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Product: Debt collection

I just realized that I have two accounts in my credit report that are not mine. 

Transworld System opened in XX/XX/2021, amount {$690.00} XXXX XXXX opened on XX/XX/2021, amount {$290.00} Also, there are 2 addresses that dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx
Product: Vehicle loan or lease

In XXXX I was sought out by Wells Fargo in promising to help me refinance my property and it turned out to be a disaster. Wells Fargo promised that if I had refinanced my vehicle at the time in which was a XXXX XXXX XXXX that they could get my property refinanced as well. I refinanced my vehicle and when it was time to refinance my property, I was told that they could not help me with the services. I got stuck with an extra XXXX  years on my car loan and I lost my property. 
I did pay off the remainder of my loan on my vehicle.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries.I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Product: Checking or savings account

Capital One Bank wont release my phone number that is link to XXXX I dont have capital one account anymore and capital one bank still have XXXX  locked with my number that XXXX cant use with other bank that have XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recived a promotion offer from Citibank to open an account and fund it with a certin amount of funds and recive a cash bonus after 60 days i read the entire fine print and only was able to discern a 60 day requirement to recive the bounous, so i called and setup the account with a representative who also told me it was only 60 days no more and i specifically asked can i get the funds after 60 days and can i remove the funds without penalty i was told emphatically yes, i knew to ask this because i have completed one of these before with XXXX XXXX XXXX  and they specifically said you have to leave the money there for 90 days. So after completing the 60 days i called citibank and now they are saying the offer says after you complete the 60 days you then have to complete 90 days from that point, which was never agreed upon when i setup the account, and it seems very deceptive why would they not just say you must complete 150 days in order to recive your funds, and why would the first advertised time frame be the shorter one of 60 days and then the second part of their " offer '' be 90 days so its double the advertised time plus 30 days this is extremely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to access my account for managing a security freeze and have been unable to do so. On XX/XX/2022, my husband ( XXXX XXXX ), on my behalf, tried to lift freezes on our accounts for purposes of applying for a credit card. After 2 hours on the phone with the representative, his identity couldn't be established. The mobile upload software wasn't functioning properly, so the representative didn't provide access to the account. Apparently, that's the only way the representative knows how to verify identity. 

The message that I received trying to login is " We are temporarily unable to complete this request. Please try again later. '' Trying again later doesn't help. This has been going on for weeks. 

On XX/XX/2022 I requested a verification code by mail and I received it. Upon completing the steps outlined in my.equifax.com/pin, a message says that the account is setup. When I try to login, I get the usual message, shown above.
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.

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 mor

e 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

I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer a authorized user on the XXXX XXXX account opened XX/XX/2015 that is reported to the credit bureaus. Please remove this account off of my credit report.