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

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Debt collection

Williams rush & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Partial account # XXXX Company emailed me claiming a owed about of {$1000.00} for student loan debt that is currently still open and in good standing on my credit report as a third party. When I gave the company the title 4 refund information they changed the amount to {$500.00}. I requested proof of claims and original contract never heard back from them and they are still reporting the amount of {$1000.00}
Product: Credit reporting or other personal consumer reports

I have been disputing the Public Record ( bankruptcy file ) since XX/XX/year> +in my credit report due to inaccurate information ( wrong file #, unlawfully failing to properly investigate my disputes, reporting that they obtained information from the court when they did not, etc... ). Unfortunately, the disputes have not been resolved the right way because Equifax has been ignoring the US Bankruptcy Court documents that I have attached to support the disputes. In addition, Equifax have been reporting the same message in all disputes : " WE HAVE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. This automated message is sufficient evidence that they are not investigating my disputes using the supporting documents from the US Bankruptcy Court. For more details, please see attached documents ( Equifax complain XXXX ) and other US Bankruptcy Court documents.
Product: Credit reporting or other personal consumer reports

On my Tele Check File Report Tracking Number : XXXX theres currently transaction information of XXXX inquiries and acceptance advice listed on my Tele Check File Report. The XXXX inquiries currently listed on my Tele Check File Report is fraudulent, not my inquiries and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Debt collection

I received a letter from I C System stating that I owe a XXXX bill 7years ago. I received the letter 2 weeks ago. I reached out the XXXX and the company said they didn't have an account under my name. I told the representative I did owe a bill and that a collection agency reached out to me and it was paid in XXXX.I called my bank hoping they can track the payment but they only go back as far as 6 years. Being that XXXX collection was not on my credit report, the company was paid. I C System didn't give me 30 days to rectify the problem with the account that was issued to me. This company posted this account to my credit report. I would like to see the original bill of {$680.00} stating I owe. I called and spoke to the I C System operator she stated if I paid another collection agency they didn't close my account out. I would definitely like to see the original bill saying I owe this amount since its going through so many agencies. Thank you for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like my fraud alerts off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. Upon reviewing my credit report, I have identified several accounts that are not valid and are the result of fraudulent activity. I am not liable for these accounts and insist that they be removed from my credit report immediately. I have already filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent accounts and have included a copy of the report for your reference. These fraudulent accounts reported on my credit report are damaging my credit score and financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within XXXX days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account # XXXX ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Dispute resolved; reported by XXXX Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} Two-Year Payment History : Reflects XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : XXXX XXXX XXXX ( a ) XXXX XXXX ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements.

15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements.

Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments.

Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication.

If no valid evidence exists, correct the account status to Paid As Agreed Never Late immediately.

I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been with comenity bank/ XXXX  credit cards in XXXX Ohio XXXX XX/XX/2015. I have never missed a payment or been late in 4 years 3 months, my credit score changed due to me closing a starter credit card I had and my score dropped some when my account closed, they told me they reviewed my credit report again and the risk services reduced my credit limit based on the information. My score has not changed much since Ive been with them. I have paid 2 cars off and paying on my third vehicle my XXXX XXXX accounts are current. I dont understand how this is justified? They will not give me any answers besides there risk team made that decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

I was renting an apartment in XXXX, Florida. Cable TV service was through XXXX. When I vacated the apartment ( XXXX/XXXX 2019 ) the cable box was inadvertently left behind. After a number of weeks, I received either a telephone call or written notice from Waypoint Resource Group, a debt collection agency, saying that I owed them {$440.00} because the cable box was not returned. ( This is unlikely as the management of the luxury building would have returned the box to XXXX when they took possession of the apartment. ) When I received the first telephone call I asked the caller who they were and when the person said they were calling about a debt I owed for non return of the cable box, I said that I never received an invoice from XXXX. The caller then said that I owed {$440.00} and when I questioned the amount as being far above what I would have owed for the non return of the cable box, the caller said he was in no position to determine that and that is what I owed, so I was left in the position of having to overpay Waypoint for a cable box that I had not ever received an invoice from XXXX for. 

I am ready to pay XXXX XXXX   invoice if Waypoint produces an invoice from XXXX. 

The first indication that this matter had been sent to a credit agency was when I went through my annual review of my credit reports. Checking on who Waypoint is, their record of complaints indicated that it was possible they were not following acceptable debt collection procedures.
Product: Checking or savings account

hi i was placed in XXXX XXXX after the debit was paid. i was placed in XXXX XXXX  for an error on bank of americas part they didnt do their due delligence at all. i paid them a total of XXXX dollars in XXXX XXXX  to settle all debits they said its paid in full and sent me to XXXX XXXX thats horrible its ruining my lives, i cant do anything.
Product: Prepaid card

I was the victim of an XXXX breach and was awarded a class action settlement amount. I was ordered to claim the funds via prepaid car through myprepaid center.com. I have followed all of the instructions sent to me via email in order to claim the virtual card, and everything was confirmed. After I completed the steps, a link was sent that was supposed to allow me to access the funds, however whenever I attempt to claim the card, an error message occurs. 

Customer service claims try again later, try again tomorrow, try again in five days however I have been researching online and have seen that many other people are experiencing the same issue, have waited months, still with no resolution. 

It seems the funds from this lawsuit were distributed in such a way that they can not actually be accessed, I am unsure if this is an oversight or intentional, but the staff at myprepaidcenter.com are either unwilling, or unable to help which means there is no way for victims of this breach to actually claim the compensation they are receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, Please vefied proof of hard copy and written signature and ownership of reported debt 1. reporting 6 closed unknown accounts 2. 6 hard unknown reported hard inquires including report multiple unknown authorized soft inquires, included unverified no proof of hard copy of debts reported XXXX closed collection XXXX in the amount {$2100.00}, XXXX XXXX still no verified proof of ownership and hard copy. The adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I gave no written consent and this is invasion of privacy, this fraud use of my credit card which I do not benefit
Product: Credit card or prepaid card

I have a Wells Fargo Home Projects Card and my normal monthly due date is XXXX of each month. 

In XX/XX/XXXX, I thought I had missed the scheduled payment that was due on XX/XX/XXXX so I submitted a payment on XX/XX/XXXX. I realized later that I had made this payment earlier in the month. Since the billing date is approximately XX/XX/XXXX for the XXXX due cycle, I called customer service and asked if it would be possible to back of the XX/XX/XXXX payment and reapply it as payment for the XX/XX/XXXX monthly. During this call I was advised they would facilitate the request. I was not told how long this would take and was unable to obtain any written confirmation, but I was assured this adjustment would be reflected on my next Statement and this would be record of the correction being made. Needless to say, that didnt happen. First I was assessed a late charge and then the XXXX statement cycle reflected I was past due. 

This prompted another call with customer service and still I was unable to get resolution. When I asked if I had to complain to the BCFP and OCC to get resolution, the customer service agent transferred me to the Executive Office. Apparently defrauding customers to meet sales targets is not the only issue that prompts this stellar organization from sending me to the damage control team these days. ( sarcasm intended here! ) Its now XX/XX/XXXX and I can only report that the late charge was reversed. Since I fear a 30 day mark will result on the " missing '' payment while I continue waiting for resolution, I decided to make a payment. ( Heaven knows I don't want to try and resolve THAT issue with this organization! ) If I knew this fraudulent organization was going to jerk me around so hard, I would never had made the request and chalked this up to a shame on me. Or even better, maybe they could have ( should have ) just told me my request was not possible. What I was hoping to be a routine customer service matter has turned into a complete fiasco. 

Their case # XXXX. 

In closing, I guess it could be worse ; I could have been a victim of ID Theft and realized a fraud deposit account had been opened there by an employee trying to make unrealistic cross-sell targets. SMH.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was locked out of my account. I am unable to see my account info or make payments. I have tried calling many times but have been put on hold for 6 hours. There is no way to contact anyone to restore access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX of XXXX Florida and XXXX XXXX XXXX, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made XXXX aware of my financial situation. During that time I was always in touch with XXXX, keeping them abreast, and paid whatever, and whenever I could. XXXX advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to XXXX and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when XXXX reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to XXXX for an explanation, but was threatened, and XXXX off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from XXXX, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a XXXX XXXX, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that XXXX reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), XXXX violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by XXXX, I have also attached a copy of correspondence received from XXXX followed by calls related to the attached letter in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My divorce decree states that my ex-wife took over the payments on a vehicle lease. 
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. 
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. 
XXXX XXXX wouldn't let her do it. 
So now XXXX has trashed my credit report. 
They won't do anything about it because they say it's a contract and it can't be broken. 
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. 
And big corporations like XXXX can just do what they want to do. 
This is just such a common sense issue I'm not sure why it matters to XXXX who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. 
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. 
And who even knows if someone that's reviewing my credit would even bother to review a note. 
The system is broken and needs to be overhauled
Product: Checking or savings account

I opened a checking account on XX/XX/24. The checking account had an advertised {$300.00} opening bonus for opening the account and performing {$1000.00} in direct deposits. I have fulfilled the requirements but never received the bonus. I sent a message to the bank and still haven't received the {$300.00} bonus.
Product: Debt collection

Collection agency is reporting the incorrect amount on my credit report. I have sent numerous letters requesting for debt to be removed from my credit report as it is inaccurate. I as well along with these request have sent over copies of the correct balance from the original creditor, yet the debt collection agency refuses to remove the collection from my credit report and is actively pursing the invalid debit. The agency has failed to fulfill my request along with supply data displaying the incorrect amount such as charges. The debt amount listed on my credit report is for {$35000.00}. The amount listed on my final statement from the original creditor is {$9700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter # XXXX to American Express regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by American Express. I tried multiple times to resolve this issue with Amer Exp since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from Amer Exp in regards to the letter previously stated above. This account continue to be reported by Amer Exp as owed on my XXXX  credit report. XXXX  continue to report this issue after my submitted dispute on XXXX  website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you
Product: Credit card or prepaid card

PayPal credit advertises 0 % apr for 6 month for all purchases over {$100.00}. 
On XX/XX/2018 I made a purchase of {$2000.00} however PayPal charged me a finance fee on this amount against their advertised offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute inquiries along with inaccuracies with XXXX. I will be providing the necessary documents to finally close this dispute out.
Product: Debt collection

COLLECTOR FAILED TO CEASE AND DESIST COLLECTION DURING CORONA 19 ALSO, IGNORED CEASE CALLING MY DAD ( XXXX ) XXXX CALLED 11 TIMES AFTER CEASE HAVE SCREEN SHOTS.