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

I am a victim of identity theft and XXXX and XXXX 's data breach, and was not notified by XXXX and XXXX 's of data breach breach and discovered on my own. I reached out to XXXX and XXXX several time including via certified mail and never received a response back. The damages due to this serious action has left me vulnerably exposed to dangerous predictors and has caused me a extreme financial hardship due to my information that was compromised and used for open credit accounts, telecommunication services and fraudulently used to claim and report government benefits.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. This account isinaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please help me investigate properly and correct it from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX, # XXXX Auto Loan on XX/XX/XXXX reported " 90 days '' for XXXX Payment History - This is incorrect Account Status reported " 90 Days Past Due '' - This is incorrect The creditor sent me an email on XX/XX/XXXX stating " Your account is past due and is about to be reported 90 days late. By making a payment of {$560.00} before XXXX XXXX pst today, the credit reporting for this account will be reduced to 60 days '' ( copy of email attached ) I scheduled a payment on XX/XX/XXXX of {$560.00} for XX/XX/XXXX. ( proof attached ) Reducing credit reporting for this account to 60 days as per the creditor email. 

In addition, I also scheduled a second and third payment on XX/XX/XXXX for XX/XX/XXXX for XXXX and XXXX Totalling XXXX, a full monthly payment FURTHER REDUCING MY CREDIT REPORTING TO 30 DAYS LATE as per creditor email. 

Payment History for XXXX, XXXX must be corrected from 90 days to 30 days Account Status must be changed from 90 days past due to 30 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 by certified mail I sent in a written dispute to Experian regarding an account with XXXX XXXX ( Collection ), that was being incorrectly reported on my file. After more than the 30 Days provided to the Agency to conduct a proper investigation on XX/XX/2021, I reached out to an Agent by the name of XXXX XXXX, who is an assigned case manager to my file. I explained that I was concerned as to why the invalid account was still being reported after the 30 Day period. The agent then stated that he would resend the dispute a second time, although the original time granted was expired and three days later I received a notification that the furnisher 's information would remain. I then recontacted the agent as to how was this second investigation completed after two days, as well as, questioned the lack of thoroughness and he stated that the company could simply reply yes or no to the information remaining on the account. Experian has failed to thoroughly investigate my dispute and remains reluctant to take accountability for their lack of efforts. This reporting has lowered my score by XXXX points when it first occurred and is havoc causing on my credit file.
Product: Debt collection

I have been past-due on my payments with the Commenity company. I had a Victorias Secret card through them that I resolved. I opened a XXXX card, but only ever used it once. After I got behind on my payments, I closed the card. I have been receiving upwards of 15 calls a day, some back to back, from commenity and unknown numbers. I know for a fact it is this company attempting to contact me. I have blocked all numbers associated with this company, but am still receiving calls from unknown numbers. I happened to answer a couple of times, and was told they were calling from commenity. I am being harassed daily, and have been for the past year, as I held previous accounts through them. I owe very little to them, and even told them I was facing hardship due to COVID. All accounts with them are closed, and I plan on resolving what I owe them, but this harassment is ridiculous.
Product: Credit card or prepaid card

I have a VS credit card account. I paid my balance in full [ about {$53.00} ] in XXXX. Apparently, a few days later, interest was assed to the account. Since I thought my balance was {$0.00}, I didn't make a payment in XXXX or XXXX. Late fees were added to the balance and the {$30.00} balance was reported to the credit reporting agency in XXXX. As a result, my credit score has dropped more than XXXX points. VS did not attempt to contact me regarding the delinquent balance beyond sending a couple of emails which were diverted to my SPAM file.
Product: Payday loan, title loan, or personal loan

Hello, I utilized a loan deferral option by wells fargo bank online that was titles " we are here for you ... '', and it basically allowed you to click and defer your loan because of the economic impact of the pandemic. I utilized this for about 6 months and started repayment afterwards. My issue is I was charged around {$2000.00} in interest which is unbelievable. Worse yet, my first 3 payments of around {$700.00} were all put towards that newly acrrued interest and my principal amount was not touched. How is this helping people out during a pandemic when you profit off them? I did not realize that I would pay that much interest and thought Wells fargo was actually trying to help with their " we are here for you ... '' slogan and link online. They should have done a better job explaining just how much you would pay extra on your loan in effect increasing their profits regardless. I would have preferred to continue making payments if I knew I would pay {$2000.00} extra. I would ask for greater transparency as I believe some of their credit card deferments freeze interest payments if I am not mistaken and I thought mine was either the same or minimal interest would be charged. I believe you can not mask an extra profit making mechanism as pandemic help. Helping someone does not usually involved getting more money out of them and is unethical and immoral and if you are doing so you must clarify and highlight in large print your true intentions and just how much the " help '' would really cost you. I am struggling with rent and bills as it is and now my first 3 installment loan payments which I am struggling to make are all extra interest payments. That is just not right. I called customer support on XX/XX/XXXX and after explaining my situation, the customer service rep did not offer any sort of remedy to help me except for stating I have finished paying off the approximate {$2000.00} in extra interest for my 6 month deferment. I believe they should waive the extra interest and put the amount I paid towards my principal and normal interest levels or at the very least reduce the enormous interest amount in the middle of a global pandemic. Thank you for listening.
Product: Mortgage

This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. 

The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. 

My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has  been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. 

Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. 

On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. 

I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. 

The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. 

Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me.

I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Debt collection

I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.
Product: Credit card or prepaid card

I had a Vanilla Gift Gard ( Visa ) that I bought from XXXX XXXX  on XXXX XX/XX/2022 ( cost {$500.00} ) and had a balance of {$490.00} after activation. I used it for the first time to pay for my XXXX Ride for {$130.00} on XXXX XX/XX/2022, and a second time in XXXX XXXX ( XXXX, California ) for a bill of {$28.00} on XXXX XX/XX/2022, both of which were successful. However, when I tried to use it on the subsequent days, my payments were declined everywhere. I called the Vanilla Gift Card customer care with the toll-free number given on the back of the card, and I was told that my card was compromised and that they found a series of {$10.00} transactions on XXXX. As a security measure, they have blocked my card with a current balance of around {$97.00}. There was no way for me to check the balance and the transactions as my card was blocked. 

As per the suggestion of customer care, I filed a dispute with the company ( Vanilla Gift ) on XXXX XX/XX/2022. I was told that the process might take anywhere from 45-90 days, yet even after repeated enquiries and emails, I am yet to get any update. I have researched and found that most customers who file a complaint with the company do not receive any response from them even after 90 days. As I am an XXXX XXXX XXXX  in the USA, I can not wait for 90 days for any resolution, as I am to go back to my country on XXXX XXXX. I also can not spare or lose this huge amount ( {$320.00} ). I kindly request you to look up this matter with the company and help me get my money back as soon as possible.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information LexisNexis Risk Solutions maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984
Product: Debt collection

Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a XXXX XXXX XXXX XXXX debt. 
They states on the letter that it has a zero balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.
Product: Vehicle loan or lease

I have loan on a vehicle that is financed by CNAC out of XXXX, WI. Since day one I have NEVER been on auto pay because they know I am self employed. So payments come at different time, various ways. I have never given them permission to take automatic payments. I would pay online and always select one time payment. I have always been on time with my payments. The last payment was due on XX/XX/2020, I was lateon this payment because of how my income fell. I had to choose between feeding my family right now and paying my payment. Today was only my second day late, I went to check out at the grocery store and was told insufficient funds!!! WOW!! How embarrassing. Come to find out CNAC took out a payment WITHOUT my authorization. 
Hard enough making ends meet with this covid things going on and now this company takes money without permission. So I called, the Customer Service Rep did not give me a name. I said there was an unauthorized payment taken and I want it reversed. He said why is your payment late, I said it doesn't matter you took an unauthorized payment and I want it reversed. Again he asked me why I was late, I told him because I had to decide between feeding my family and paying on my car. Then I said so can you reverse the payment you illegally took. He said I can, but I want proof of your insurance. I said no, reversing my payment has nothing to do with insurance. He stated he would not reverse the payment until I showed proof of insurance!! That is strong arming me and bribery!! 
I again told him it was illegal to do so, I didn't authorize them to use my card to pull any money out. He told me wouldn't not refund my money, until I gave him what he wanted. They can not do that, so they are holding money they illegally withdrew until they get insurance proof???!!! Then he told me to have my lawyer call and he hung up on me!! I tried to call back and my calls are not allowed through, it goes to an automated message telling me their PO Box mailing address and their fax number!! This company is crooked!! They won't even work with customers ... but to steal money they were not authorized to take wrong. I have made all payments on time in the almost 2 years I have had this vehicle!! 2 Days late they take an unauthorize payment ... It was only a payment of {$180.00}, but now I am worried about them doing it again!! I shouldn't have to live in fear of them just pulling payments out when they feel like it!! Unacceptable!
Product: Debt collection

I XXXX XXXX was trying to reside at the alfalfa residence in XXXX XXXX back in XX/XX/XXXX till about XX/XX/XXXX. I did not sign no lease and I ONLY signed a document stating that I was EMPLOYED to be able to move in the room upstairs as a roommate. I was pretty much taking over for the last roommate that had moved out. During the end of XX/XX/XXXX I decided not to live there anymore due to because there was a wife and a husband living downstairs that were going through a divorce and I could no longer live in the disfunction of theyre verbal XXXX to one another. There was no lease that stated it was a XXXX month or if it was a 12 month lease. XXXX who was the main tenant who had rented the house for several of years. Did ask me if I want to to sign for a 12 month lease after the contract was up the beginning of XX/XX/XXXX. I had told him that I would think about it. Therefore I am not responsible for whatever debt they are saying that I owe. This was now just put on my credit report of this year ( XXXX ) when this happened almost 4 years ago. I would like to file this action against me as fraud
Product: Debt collection

My complaint is regarding Transworld Systems. I have requested several times, via correspondence and telephone calls that Transworld Systems delete a collection account they have listed on my credit report. Transworld Systems has not complied with the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act, FCRA, and FDCPA. Transworld Systems ' response to my request for verification of this collection account includes the final invoice from the original creditor. This is not what I'm requesting they provide. I would like and have been requesting for months, that Transworld Systems provide me with the original contract bearing my signature from XXXX XXXX stating that I ever agreed to pay an assigned debt collector. To date, they have not provided this to me. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Transworld Systems is breaking the law by negatively reporting this information to the Credit Bureaus. Further, On XX/XX/2022, I paid the full amount due on the account ( {$680.00} ) to XXXX XXXX, the original creditors. I then, contacted Transworld Systems asking them to remove this bogus collection account from my credit report since I never owed them any money and they could not prove to me that I did. They stated that since I paid XXXX XXXX, I should contact XXXX XXXX to have the collection account removed. I then, contacted XXXX XXXX who informed me that Transworld Systems is responsible for removing the account. I am submitting this complaint today because Transworld Systems should not be allowed to list this account on my credit report since they never proved that I was in debt to them ; and since the account has been paid to the original creditor, XXXX XXXX, the account/debt should be removed immediately, it is causing me great financial hardship. Thank you for your help!
Product: Bank account or service

False accounts and false accusations of fraud resulting in the closing of my checking and savings and credit card and a negative XXXX balance never asked for a savings account with them in which Is the account they flagged for fraudulent activities now I fear my name will go into checks system and im out XXXX dollars.
Product: Debt collection

On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that Capital One XXXX .... reported negative marks 90 60 30 Lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 )  ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customerand that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Product: Credit reporting or other personal consumer reports

My credit report shows 12 open acct with XXXX XXXX XXXX but all the accts are open as well with XXXX same 12 accts with same balance so it is reflecting on credit report as {$110000.00} when it should be half of that amount shows as duplicate just different name
Product: Debt collection

I requested a fraudulent packet debt back in XXXX I did not receive it