23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX I called because I was experiencing a financial hardship and I was told I was put onto a 12 month hardship program with automatic payments. In XX/XX/XXXX I received a call saying there was an issue with the program and it never actually set up but they were taking the automatic payments anyway. I fought with them because of the late fees and interest and they weren't fixing it. I went to the XXXX   XXXX  XXXX and they finally got it fixed. I then received a call in XXXX of XXXX saying that they fixed my account and I was put onto the program " correctly '' this time and all was good. On XX/XX/XXXX I received a call saying that I missed XXXX 's payment and when I asked how if you're taking it automatically they told me the payments are never set up. I fought with them and then asked for a supervisor, waited a half hour to finally get one who then told me that I was talking to the wrong department and transferred me. Then I finally get somebody in the " correct '' department who kept repeating the same line over and kept interrupting me while I was trying to talk then mumbled something and hung up on me. When I called back somebody picked up, mumbled something then hung up. I had to call back AGAIN and finally got somebody, who again kept interrupting me and finally got me to their supervisor. It took a full hour to have this resolved and a lot of anger when this should have been done correctly in XXXX then again in XXXX.
Product: Debt collection

Kept getting repeated phone calls about this issue being my debt, but I have no knowledge of it
Product: Credit card or prepaid card

My husband and I signed a 12 month finance contract, which stated that there would be no balance due until the items ( furniture ), were delivered. On our receipt, contract it specifically states " Balance due before delivery XXXX '' at the bottom. Now, our furniture was delivered on XX/XX/XXXX, and I have provided Comenity with that information along with a copy of the receipt that states the contract. 
Unfortunately, instead of ending my promo 12 months from the date of delivery, Comenity has chosen to end my promo on XX/XX/XXXX, and they have imposed fees. Now, we paid our bill in full around {$1800.00}, on XX/XX/XXXX, which was less than 12 months from the date of delivery, per our contract. We have sent Comenity the delivery information and receipt of contract, and they have told us that they chose XX/XX/XXXX, as that was placed on our bills. The issue is XX/XX/XXXX is a date of no importance, per contract, as no one received anything until XX/XX/XXXX. 

They have told us that they do not need to go by our contract, but only what was listed on our last few months bills. There was no contract modification that we agreed to beyond our initial contract that we signed at the store. I don't understand why they get to not honor the contract because they decided not to, and also they did not provide us with any rationale as to why ( on what legal grounds ) they had to select the XX/XX/XXXX date to end our 12 month promo. They didn't provide us with 12 months, they gave us 11 and some days, which is against our contract. Is this legal? Can they change the rules of my contract at will without my signature or agreement?
Product: Credit card

I was taken to court by XXXX XXXX XXXX  and I have no recollection of this card. Im not the one that opened this card so I am reporting fraud.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

TILA VIOLATIONS. FRAUD. XXXX XXXX. PLEASE SEE ATTACHED NOTICE REGARDING MULTIPLE VIOLATIONS BY XXXX, NISSAN MOTOR ACCEPTANCE COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was flooded with Hurricane Harvey. I requested forbearance with XXXX XXXX XXXX. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.
Product: Payday loan, title loan, or personal loan

I took out a title loan on my XXXX XXXX XXXX on XX/XX/XXXX. The loan was for {$6800.00}. I have made the following payments to Title Max XX/XX/XXXX {$890.00}, XX/XX/XXXX {$880.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$2100.00}, XX/XX/XXXX {$1700.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$1000.00}. 

I was told that I still have a balance of {$4100.00} as of today XX/XX/XXXX. My truck has been repossessed twice and I have paid what they asked for. It is the only vehicle I have. From my understanding when they closed Title Max in CA they were going to stop the interest on all CA loans. I have paid {$12000.00} and I still have a balance? This just seems impossible. This has been a nightmare for me! Can you please help me solve this issue. I was told that I am only able to make {$1000.00} payments because of my bad payment history with them. Is this legal? Thank you!
Product: Credit reporting or other personal consumer reports

Experian Equifax XXXX TransUnion have been illicit in letting these companies furnish information that is hazardous to my life and my credit and ability to grow in this systematic programs that have been set up.
Product: Debt collection

I have been disputing this incident with this company for quite some time they have provided a statement stating that the information provided was accurate however they also stated that they had 21 days to do a final statement. They did not meet that 21 day final statement. I never received a final statement within 21 days. I received a statement on XX/XX/XXXX from the XXXX XXXX regarding the balance being owed as {$110.00} I began to make XXXX videos online and trying to dispute with the company. However, they only went back and retaliated by adding extra charges to my account. I would like to see the proof that they sent me a final statement via email within the 21 day timeframe. If not then I think that the original complaint should stand and that they need to update their accounts to {$110.00} that I submitted I keep writing a Dispute online with the attorney general, but they never respond to that dispute or complaint. I am going to write all of the credit bureaus personally via snail mail because this is not getting me nowhere the complaints keep getting closed and Im gon na keep reopening a new one every time Please update your records to reflect {$110.00}. I have a attached the emails and please present an email regarding how the final account statement was sent and why was it updated after I made my complaint on XXXX I feel like this is a tactics for retaliation
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding inaccuracies in my credit report with TransUnion that significantly impact the security of my identity. My credit report contains incorrect names and outdated addresses, which do not belong to me and which I have repeatedly requested to be removed. This information is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verified information in consumer reports. 
These inaccuracies, if not corrected, put me at risk for identity theft and misuse of my personal data, as they provide unauthorized and misleading information about my identity. Furthermore, I request the removal of any previous addresses and names from my credit file, even if they are linked to a credit account, as required by law. 
My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Last XXXX digits of XXXX : XXXX I demand that the CFPB investigate why TransUnion has failed to correct these details and ensure TransUnions compliance with the FCRA. This includes promptly removing any unauthorized names and previous addresses from my report. Such outdated and incorrect information has no place in my credit history and directly impacts my financial and personal security. 

Thank you for your attention to this matter and for helping ensure that TransUnion maintains only accurate information that correctly reflects my identity. 

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

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, XXXX XXXX/XXXX
Product: Checking or savings account

Account overdraft saying there were funds and there wasnt and overdraft ended up being charged to account because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want XXXX, equifax, and XXXX  to remove these accounts off my report immediately.. 
XXXX XXXX XXXXXXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX  for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am seeking your assistance before taking legal action with XXXX  and Capital One. I am seeking a remedy to the damage inflicted on me due to XXXX and Capital One Auto Finances negligent actions. My credit and FICO score has been hindered 10 -20 points  due to a lack of action taken by both parties to not rectify the issue. 

1 ) I have sought to have my Capital One Auto Loan account taken out of negative status due to my Chapter XXXX reaffirmation agreement being legally rescinded on XX/XX/XXXX. Therefore, there is no more negative credit history for this account # for the XXXX XXXX XXXX XXXX XXXX for VIN # ______________________, I have a 60 day window in which if I legally rescind the agreement it's as if the time period never existed. I have filed more than 3 -6 disputes with XXXX. The Chapter XXXX filing of postal certified receipt, letter and email has also been given and used as a basis for determination by Judge XXXX to set an official decision against Capital One Auto Finance, since it was being challenged. 2 ) I assume Capital One Auto Finance has reported information to the contrary, despite me submitting all the legal paperwork as proof in my dispute to XXXX. My account is still reporting negatively, as a Charge-Off ( CO ) and No Payment ( NP ) 3 ) Additionally, I was recently contacted by Capital One Auto Finance representative around XX/XX/XXXX around XXXX. I was asked if I wanted to keep the car, with no mention of the issues and no payment due to rescinded reaffirmation auto agreement. When informing the Capital One Auto Finance representative of the prior legal proceedings and communication, I told him I only wanted to have the car picked up due to me rescinding a reaffirmation agreement. The representative advised me that they would provide me notice upon request within or at least 18 days of us speaking. 

The issue aforementioned is not exhaustive collectively or individually on each party, however I know these are violation of a ) US Bankruptcy law and b ) FCRA law partially or in whole. XXXX  : I am seeking a point scoring system or rubric guide on how XXXX  deals with credit reporting. I have seen adverse action taken ( drop in FICO   score ) on the Capital One Auto Finance account when allegedly the account was reported to be in bankruptcy, when it was already considered 90 days late and charged off. 

Additionally, XXXX  has allowed XXXX XXXX XXXX to add negative credit history to negatively affect my credit by retroactively reporting negative payment history on a lawsuit and default judgement in XXXX County, IL in XXXX for an auto loan. 

I would like the information for XXXX  and or XXXX XXXX XXXX and Capital One to post the correct information and delete the negative status information on my credit report that should be provided post Chapter XXXX discharge. 

I look forward to hearing from you. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received an alert today XX/XX/2021 about inaccurate information being placed on my report. This caused my credit score to drop significantly and I am highly upset, especially seeing as I have never heard of this company and have no business with this company. I am filing a complaint due to this company Professional Placement Services placing an account on my credit report before giving me a chance to dispute. I received a dunning letter from this company last week but the letter is dated XX/XX/2021 ( it's almost as if the letter was sent to me late on purpose ) and in the letter it states I have have 30 days to dispute the debt. Well it has not been 30 days and this company chose to place inaccurate information on my report before validating the debt. This is a violation of my rights and per the FDCPA I am allowed to seek damages up to {$1000.00}. I will also be filing a complaint with FTC, XXXX, my states attorney general office and whoever else I need to if this matter is not resolved. I want this account deleted from my credit report immediately!
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized fraudulent accounts.
Product: Credit card or prepaid card

Complaint is with American Express platinum Card and loan department. On XXXX I reported a fraudulent loan that was taken in my name. AmEx assured me they had my ba Note my USPS mail was forwarded to a different address 3 time by the person who received the loan. To this day I do not have any information in print on this loan. 

On XX/XX/2020 I was billed {$550.00} for the annual service fee for my Platinum CreditCard. On About the end of XXXX of 2020. My credit cards with AmEx were frozen due to this fraud loan ; and remain frozen. 

I was unable to use the service for which the annual fee was billed. When I reported the fraud AmEx assured me there was no doubt it was not me who took the loan. I have detailed files regarding USPS complaint regarding my mail theft. However all have detailed personal information. attached is the information that i feel safe sending at this time. The Inspector General Reference number is XXXX and XXXX. AmEX would not Email or Special deliver vie, XXXX or XXXX XXXX or even USPS Registered of which I offered to pay. Also my address in the AmEX system was changed almost daily to cover for the fraud. 

I was billed for services I did not receive. And the loan was due to their error. The person who did these things only needed my ss # and name to change my information, and receive this loan.
Product: Debt collection

On today 's date XX/XX/2018, I called Pro Comm Services in XXXX, Illinois to verify my debt. My request was repeatedly denied, stated " we are not a billing agency, we only go by phone not paper ". They also refuse to accept any payment of it not in full. I would not agree to any kind of arrangement unless it is in writing which they also refused to send.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

i have contact the Credit Reporting agency several time wih a police report and FTC Report regarding identity theft, fraud and yet they still don.t block information on my credit that is not even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please remove these as soon as possible. 
I XXXX XXXX am making this complaint. This is not a third party, you guys tried this before.
Product: Checking or savings account

CitiBank informed me on XX/XX/2023 that they were closing my accounts ( one checking and two savings ). These accounts held roughly XXXX XXXX  I had no notice and no explanation was given. I called the provided customer service number, and the service provider refused to provide more information and ultimately hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I applied for a credit card around XXXX or XX/XX/year>, with Fidelity Investment but the company does provide me with all the reward in the offer. 

I have all the details of the offer that I applied for, when I contacted the company " fidelity investment '' since I did not see the bonus on my bank statements. They told me with the information that they will conduct with an investigation about it.

After several days, I received a letter just saying that they can not combined offers, but I was not asking for a different offer I have all the details about the offer that I applied but I feel like Fidelity Investment efforts were very poor to solve this issue, and the result does not address my issue and now they said that unfortunately that is nothing else can do.
Product: Credit reporting or other personal consumer reports

The following Late Payments, and Closed Accounts caused Public damaging actions on " OUR '' Consumer account as the " INDIVIDUAL '' communicating giving notice right now ; my rights has been fully misrepresented and deceptive. There needs not to be any late payments on " OUR '' consumer credit profile for any reasons ; 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. 
I REQUEST FULL GENUINE PROOF OF EACH LATE PAYMENT FURNISHED ON " OUR '' CREDIT PROFILE BEING DELIVERED TO " US '' NO LATER THAN 21 DAYS BEFORE INVADING " OUR '' PRIVACY WITHOUT THE PROPER CONSENT AUTHORIZED BY I THE INDIVIDUAL AS AGENT ON BEHALF OF THE CONSUMER ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXXXXXX returns an error for all XXXX credit score providers. 

I am a XXXX citizen that has been living XXXX for almost 10 years. I will soon move back to the XXXX and need a credit report so I can apply for a home loan. During that time I have always maintained XXXX bank accounts and used XXXX credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a XXXX address and phone number. I have neither as I have been living XXXX To attempt to retrieve my credit score I used my last mailing address from XXXX and my old XXXX phone number ( to which I no longer have access ). I am unable to provide my current, XXXX address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for XXXX, XXXX and TransUnion, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for XXXX XXXX attempting to retrieve a credit report while living XXXX. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Product: Credit reporting or other personal consumer reports

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.