23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX is demanding that I owe them {$390.00} as part of their processing. I do n't need their company but they say I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for you to correct these following accounts : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a fraud alert placed on my Equifax credit file. 
I called Equifax several times to request my free Equifax Credit Report due to the fraud alert. 
I am placed on hold and then the call disconnects. 
Each time I have called the call has disconnected after being on hold for 17 minutes, 22 minutes, 13 minutes.

It is impossible to speak to a person so that I can request my credit file.
Product: Student loan

I have been consistently making monthly payments to Navient and they have failed to allocate my monthly payment towards my loans. This has now caused my credit score to drop over XXXX points. There 's no way my credit score should have dropped by XXXX points when I have records to show that I have been making consistent monthly payments for either the minimum amount due or an amount higher than that. I have a total of about XXXX loans with Navient and I expected the monthly payment to go towards my loans. 

Just recently, I made a big payment to Navient and now they 're trying to pull another payment from my account without my permission. This has caused my checking account to be hit with XXXX returned item check fees. At no time did I authorize Navient to take an automatic payment. I self-pay my payments.
Product: Debt collection

I received a call from XXXX on XXXX/XXXX/17 at XXXX at my place of employment. I have never listed this number as a number that was okay to call to reach me. I told the woman who called that she would have to contact me at a different time on a different number as this was my work number and I could not receive calls here. She began demanding another number and a specific time. I told her whatever she had on file as my supervisor was taking notice that I was not on a business call. She then began yelling at me about how was she supposed to call me if I would n't give her all of the information that she wanted and ended the call.
Product: Student loan

I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Product: Debt collection

XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.
Product: Checking or savings account

On XX/XX/2020, I received unemployment benefits. I went to the Bank of America ATM to withdraw cash. As soon as I was about to withdraw, they didnt have the denominations I wanted to I canceled the transaction. NO CASH was dispensed. I move on to the next ATM, and as I was about to withdraw, it said I only had {$4.00} left. I check my bank statement and it said I made a withdrawal or {$680.00}. I havent even received any dispensed cash or made a complete withdrawal yet. The bank made aN ATM error and doesnt want to resolve it. They said they were gon na investigate it, when I should be investigating them. I was hoping this government agency can help me resolve this issue and stop letting the banks go unchecked.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to a puppy shop bought a shih Tzu and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX XXXX XXXX  Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
Product: Money transfer, virtual currency, or money service

I received a picture of a cashed stimulus check from the IRS in XXXX XXXX XXXX. The check appears to have been cashed at an ACE Cash Express due to the deposit note : " For Deposit Only | Populous Financial Group , Inc. | d/b/a ACE Cash Express ... ''. It was cashed in XXXX XXXX XXXX 

I called the ACE fraud line at XXXX on or before XX/XX/XXXX. I let the representative know I wanted them to investigate the check 's cashing. I was told I would get a response within 30 business days. 

I followed up on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. On both occasions, I was provided with a reference number. Although it has been over 30 days, there has been no response from Corporate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Product: Debt collection

Helvey & Associates , Inc. is violating my rights under the FDCPA by communicating with me about an alleged debt that I have no knowledge of and am not liable for. I have not signed a contract with Helvey & Associates , Inc. or XXXX XXXX XXXX. I did not provide consent for them to contact me or to furnish information about me to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  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 in those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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, credit repair services, or other personal consumer reports

I sent in dispute letters certified for transunion, XXXX, XXXX  and have not received result status nor any response. The date for my dispute letters to all company 's is XXXX/XXXX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because XXXX 30 days non response. Every letter has date and information in yellow which I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to USAA once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call USAA over 12 times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that USAA had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get USAA to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and USAA has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For well over a year now I have called Transunion about my credit history. I have no credit never used my credit. Now that I need to get credit I can't because of someone else 's accounts placed under my information.
Product: Debt collection

I paid for a bond that worked as a security deposit ( XXXX ) at move in that covered an amount up to {$1000.00}. I sent this documentation to the original leasing company and never got a reasonable response. The only charge at move out was for {$120.00} for cabinet cleaning. This charge is not owed by me, as it needs to be charged to the deposit.
Product: Credit card or prepaid card

I went into Kohl 's to buy some stuff. I was asked if I wanted a store card and I would get 35 % off on my purchase. I accepted thinking it was just a store card. Only after applying did I find out it was a credit card. I didn't know I was applying for a credit card until I was denied. This has devastated my credit and now I am set back in my credit rating for years. This happened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in distress over this and want this off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXX XXXX  3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open
Product: Checking or savings account

I have tried over the last week ( starting XX/XX/21 ) to deposit a check using Axos Bank 's mobile banking feature. At first their app kept timing out when I attempted my deposit, so I contacted Customer Support via their XXXX that day, and was told by a representative that I would need to wait a day or two to resubmit my check as their system appeared to be down. I waited a couple of days and tried again, only to get an error message saying that my check had already been deposited. This was clearly not the case as I had not received a confirmation from the bank to my email ( as is customary ), and there was no record of a deposit into my checking account. I contacted their Customer Support again ( on or around XX/XX/21 ), and the representative told me that I could always visit a local bank ATM and deposit my check that way, or that I could try again the next day. 
I continued to try mobile deposits, with no success, so attempted to deposit the check via one of my local ( XXXX XXXX ) bank ATMs. I visited the XXXX XXXX ( on XX/XX/21 ) that the Customer Support agent told me was a good option, yet when I used their ATM there was no option to deposit a check, only to remove funds or check the balance of my account. I tried the next door XXXX XXXX XXXX ATM and had the same issue, as there is no way to deposit a check via another bank 's ATM, despite the information that was provided to me by the XXXX agent. 
I called Customer Support immediately ( XX/XX/21 ) and was placed on hold for over 30 minutes. I called back and the agent told me that my options were to go to XXXX XXXX and use one of their physical banking locations there to deposit my check ( a 3 hour drive ), or to mail in my check for deposit. Both of these options are clearly unacceptable for a bank that markets itself as an online bank, and I requested a call back the next day from a person within the organization who is able to help me. 
On XX/XX/21 I received an email from XXXX telling me that " Your deposit is being rejected because the dollar amount is included in the XXXX line ( bottom part of the check ). Your only options are to mail in your check, or to have another check written out without the dollar amount included in the XXXX line. '' This too is unacceptable considering their marketing and Customer Support communications, and I am unable to have the check rewritten as it is from a former mortgage company ( their system prints checks this way automatically ). As a result, I have deposited my check using a mobile deposit option with my former bank, XXXX, with zero issue, further highlighting the incorrect and fraudulent claims by Axos Bank and their Customer Support representatives. I have yet to receive a call from the Axos Bank team ( as promised ) telling me how my issues with their banking system will be resolved, so I am registering this complaint so that the CFPB can investigate this bank further for fraud and false advertising.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

I was forced out of forbearance by XXXX XXXX in XX/XX/XXXX ; at this time NCS contacted me about debt and I started the rehab program and completed my 9 months of payments and around the end of the 9 month I didnt have a job but they were calling me everyday because they wanted to add a card to the account. I was unemployed and borrowing from relatives to make my last few payments. XX/XX/XXXX is when I contacted them for a missed payment, made a payment and was advised that ; that was my 9th payment and I was now in my transfer period. All correspondents stopped while in my transfer period they did not mail me any statements saying my payments were due for the transfer period. Up until this time I was mailed a billing statement every month telling me my payments were due. When I contacted NCS they said it is not mandatory for them to send the notice!? Now I'm in a TOP that I cant get out of!! This should be against the law!!
Product: Credit reporting or other personal consumer reports

Only XX/XX/2023 someone submitted a fraudulent credit card in my name. When I received the notification, I contacted the credit card company and informed that I did not submit an application. I explained that it was fraud and to cancel the application. They told me to contact the FTC and file a report.
Product: Debt collection

I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. 

When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I noticed there are several inaccurate listings. These accounts are very error in reporting. The following accounts, therefore, need to be investigated immediately to publish my correct credit record : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX