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

I contacted XXXX XXXX XX/XX/XXXX before my payment was due. I lost my income with no prior warning. I had absolutely no means to support myself. I was also thrown out of my home by my spouse. I contacted XXXX XXXX as I did not want my payments to simply be ignored. I have been working to restore my credit for the past few years and I could not risk jeopardizing my credit due to non payment on my credit cards. I explained my circumstances to XXXX XXXX and I was advised there may be something they could do to help me. I was placed on hold and then a specialist picked up the line and told me that all cards are recorded. The gentleman on the phone told me that there is a program that may help. The man told me the program, their Specialty Assistance Program will wave the late fees ( past due fee ) for 3 billing cycles. I stressed the fact that I could not afford to risk my credit cards payments to be late and destroy my credit. I told him that everything is based on credit ( landlords do credit checks, car insurance companies, banks, employers, etc. ). I told him I understood if there was nothing XXXX XXXX could do for me. The credit card is my responsibility and failure to able to make monthly payments could potentially ruin my life. I was informed this program could help me for 3 months. I kept telling the XXXX XXXX specialist I could not afford to have any negative reporting to my credit report. He told me this would not affect my credit. He told me that XXXX XXXX allows for customers to utilize this program in extreme situations, which mine was. He assured me that there would be no negative impact on my credit as long as I caught up on my payments at the 3 months. 
The beginning of XX/XX/XXXX, I started receiving emails from XXXX XXXX stating my payments are late. I also received emails from XXXX XXXX stating there was negative reporting on my Credit Reports. The negative reports are from XXXX XXXX for late payments. My credit score dropped over 90 points. I contacted XXXX XXXX chat and was told that they were sorry I was misinformed about the program. That XXXX XXXX offers the Specialty Assistance Program and reports all missed payments to all the credit reporting agencies no matter what. I told the online chat rep. that I would have never agreed to a program that would ruin my credit. I asked why anyone would agree to such program if it basically destroys your credit anyway? I requested a transcript of the phone call. She told me she did not have access and that I would have to call XXXX XXXX. I called the next day and requested transcripts and they still have not responded. I am still struggling with no income. I can not barely afford to eat and I reached out to XXXX XXXX instead of ignoring them due to my inability to pay. I was offered a temporary solution and in turn they did exactly what I was afraid of and what I was told they would not do. And lastly, they have added interest which no puts me over my credit limit. I couldn't pay my bill before that. I sure can't afford to pay over my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX Account # XXXX Account Name XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i Have The Right To Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a third party service XXXX XXXX XXXX XXXX without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct my disputes with XXXX, Transunion, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a payoff from Upgrade. They provided the amount and I set it up on their site. The funds were posted and they confirmed the account was paid in full. The very next day, they took another installment of {$1000.00} despite the fact that the account was already paid in full. I reached out to the company. They acknowledged the error but insisted that I would have to wait ten days before they would process a refund for the credit balance they took without my authorization. They hesitated to put on a supervisor but finally did. I spoke with a supervisor and was told the same thing. When I insisted that I should not be penalized for their acknowledged error, I was hung up on!! The payment history is attached from Upgrade itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX a complaint was submitted to CFPB XXXX regarding XXXX account XXXX that Equifax has reported inaccurate information and they have verified to the consumer and the CFPB that the account is closed and having a XXXX balance this is dated XX/XX/XXXX in their response to my complaint XX/XX/XXXX, enclosed you will find a current copy of Equifax credit report dated XXXX XXXX confirmation # XXXX that states Equifax say this account ( Truist ) ia open and having a balance, enclosed is a letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX showing XXXX is correctly reporting to Equifax. 


THIS ACCOUNT IS CLOSED AS OF XX/XX/XXXX AND PAID IN FULL ... ..... 

FIX THIS IMMEDIATELY OR THERE WILL BE REPERCUSSIONS ... ......
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As a victim of identity theft my personal information was compromised in a data breach which has led to this fraudulent activities. Under the FCRA I request the immediate removal of these unauthorized inquiries. As they were made without my consent or knowledge. 
XXXX. XXXX XXXX/equifa. Date : XXXX XXXX. XXXX. Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date : XXXX XXXX. XXXX XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account for {$3500.00} for XXXX XXXX XXXX the account was settled with the debt collection agency as a pay to delete the payment was processed on XXXX The account was never deleted from my Experian I filed a dispute however they refuse to delete this off of my credit.
Product: Checking or savings account

Navy Federal has been continuously debiting excessive fees from my account. Before making a large deposit I spoke to XXXX different departments to set up payment arrangements for any fees that were charged to an account that was closed by them for being overdrawn from the fees I was charged. I ask that someone review my bank account for XXXX, XXXX, XXXX and XXXX. Navy Federal has taken more than XXXX dollars in the past XXXX  months from all my accounts without a valid explanation. They recently settled a class action lawsuit for charging customers excessive fees and it's clear they are still performing such unethical acts still. Please review all the calls that were placed to customer service. I feel so helpless as a consumer. Navy Federal is taking advantage of veterans and their families.
Product: Debt collection

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have two or 3 files filled out with jp Morgan but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, XXXX and Experian. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have important documents First off I want to say as being a XXXX in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this XXXX XXXX Experian, XXXX and XXXX XXXX thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Equifax, XXXX and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have the incorrect and invalided information and updated and removed from my credit report in accordance with 15 USC 1681 PRIVACY AND CONFIDENTIALITY : Below is the information in question : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX 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

Received a letter from Bank of America dated XX/XX/XXXX on XX/XX/XXXX. Case Number XXXX. Letter stated, to further assist you to resolve this matter, please call us at the number listed below and provide us your case number XXXX. Called Bank of America on XX/XX/XXXX at XXXX XXXX  and talked to XXXX. She kept asking me to hold and after holding for 5 minutes I hung up. Called again on XX/XX/XXXX at XXXX XXXX  and talked to XXXX in CA. Told her I don't receive text messages and did not know where my credit card was and did not know what she was talking about when she asked me for a line ID. Asked to talk to a supervisor. At XXXX XXXX XXXX told me a supervisor would call me back in 5 minutes and she promised me the supervisor would call me back by XXXX XXXX. Did not receive a call back from the supervisor. 
On XX/XX/XXXX at XXXX XXXX called XXXX in Texas. Again had a problem with text and did not have the 4 digit on the back of my card. Again I asked to talk to a supervisor. After being on hold for 15 minutes I was return back to the phone queue and talked to XXXX in Arkansas. Asked her if she was a supervisor and she answered NO. WHY did XXXX in Texas put me back in the phone queue and not transfer me to a supervisor. XXXX in Arkansas asked me some questions and got me verified. She looked at my case and asked how she could help me. I informed her I was following the directions in the letter and called Bank of America at XXXX. She had no clue what to tell me and she was wondering why Bank of America charged me {$.00}. I informed her they did not charge me {$.00} and that they removed {$.00} from my account. She than informed me that she could not access the information and she wanted to transfer me to another department. I informed her I had spent the last hour on the phone with Bank of America and was not spending any more of my time getting the run around. WHY DID YOU WANT ME TO CALL YOU?? WHAT DO YOU WANT??????
Product: Debt collection

Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. 

This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. 

Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. 

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Product: Payday loan, title loan, personal loan, or advance loan

I have incurred multiple late fees including my auto payments being canceled my interests going up and my monthly payments. Only one is my bank fault the rest was a clerical error they have admitted but refuse to way the fees they caused along with reinstating my previous interest and payments.They have reviewed phone calls and confirmed that it was their fault in why everything got messed up and still refuse to fix it.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report back in XXXX, I found that there was an account that wasn't mine listed. This account doesn't belong to me, and I do not know who the creditor is reporting, nor have I given them my information. 

XXXX XXXX XXXX - XXXX XXXX XX/XX/year> XXXX {$14000.00}
Product: Checking or savings account

On Saturday XX/XX/XXXX. I deposited 120 dollars into my chime account that has the spot me feature. Specifically for an online purchase that was very important and time sensitive The spot me feature let 's you go over however much spot me you have. I had 90 dollars so I though I was fine depositing 120. 

XX/XX/XXXX the feature was taken off with no warning taking the money I just deposited. All day I'm on the phone trying to get help and they keep saying the spot me has a policy with minimum deposits etc my thing is there should be a warning of some kind before money is just taken from an account. Im saying as a 5 year customer you can't help me at all? 

Not to mention I was wondering if it's even legal to do what they did?? Even the irs warns you before they garnish your wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX
Product: Payday loan, title loan, or personal loan

ON XX/XX/2020, I CONTACTED XXXX XXXX XXXX ( NCA ) TO SETTLE THIS NEARLY XXXX XXXX XXXX ACCOUNT. ( AN NCA AGENT HAD PREVIOUSLY CALLED ME WITH A SETTLEMENT OFFER WHILE I WAS DRIVING SO I WAS UNABLE TO WRITE DOWN THE DETAILS. ) I CALLED NCA ON XX/XX/XXXX AND ACCORDING TO THE AGENT, SETTLED THE BALANCE OF {$370.00} FOR {$200.00}. THE AGENT STATED THAT SHE WOULD MAIL ME A PAID IN FULL LETTER BUT WAS UNABLE TO EMAIL THE SAME. 

ON THIS DATE, MY XXXX  CREDIT REPORT SHOWS THAT NCA UPDATED MY ACCOUNT ON XXXX XXXX TO REFLECT ( 1 ) A PAYMENT OF {$200.00} AND ( 2 ) AN OUTSTANDING BALANCE OF {$170.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm having incorrect reporting to my credit report by TransUnion. Having a hard time contacting them by phone, tried resetting my password with them and still not able to. First, they were reporting my XXXX  loans were in bankruptcy, and they are not. Now they are reporting my balance on my XXXX  loans increased, and they did not. I even had credit repair reach out to them and no answer. My score is constantly going down because of incorrect information from them. When will it stop, and this is all the time, every couple of years it's something with them. I'm in the middle of trying to buy a house. This all has been happening for the month of XXXX, XXXX, and XXXX of XXXX. They also stated my credit card balance was too high, which was not true. 



XXXX XXXX XXXX XXXXXX/XX/year>