23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the debt collection agency, they state that this account is valid and I have repeatedly explained and even paid a portion of the debt agreed upon the amount back in XXXX, when they initially referred this debt as past due. I was told that during three weeks when I lived in XXXX XXXX, the " affiliated '' store for XXXX XXXX there, took my original cellular phone and sent it in for repairs as I was to have a local number there, and they were to fix the roaming charges and issues with my phone. Upon receiving my original phone back, they failed to mention that they did NOT in fact fix the roaming charges, nor my phone ( they just unplugged the roaming signal on my phone and returned it to me like it was fixed, I still got charged for the roaming charges and an additional " service contract '' that the representative stated was a release for temporary usage of a down-graded cellular phone till my original phone was returned ). So not only was I charged with my original contract monthly charge, plus the " supposedly fixed and deleted '' roaming charges, but also a whole other monthly contract with another company " supposedly affiliated '' with XXXX XXXX. They finally took away the " supposed '' other account, but it later was balled into the XXXX account that they keep trying to collect funds on. In XXXX, I moved to XXXX XXXX XXXX and got put on a family plan with my now husband, and in XXXX, I no longer had a phone or contract with XXXX XXXX due to a divorce from my ex-husband, whom charged and destroyed a cellular phone that was connected to that account, so between overcharged roaming/monthly fees, I also have an early disconnection of that cellular phone even though it was stated as destroyed in XXXX, the XXXX rep told us that the cost of the cellular phone was to be removed then, but has constantly been applied over and over again as a hidden fee for some charge that I know was not to be added to the contract. I've since been disputing this account several times over, and every time it comes back denied and the " disputed date '' is put in place for the " current balance due date '' making it appear as this account is current and not in fact over seven years old. I just want this account removed and my credit restored as this has been an ongoing fiasco that should have been resolved many, MANY years ago, but it is being reported as a delinquent charge-off on my credit history. I have argued and complained about my service and my monthly billing several times with XXXX XXXX, all the while they kept charging and OVER-CHARGING my account to appease their mistakes. After my divorce, I vowed to never again deal with XXXX XXXX or any companies " AFFILIATED '' with them for their uncontrollable addition of illegal and fraudulent charges to disguise the wrongful actions they have done to the customers and failure to fix or resolve the true issues at hand. All they cared about was getting paid for XXXX service, failing to be cooperative with their customers, and hiding wrongful charges as legitimate fees on the statements to COVER-UP the wrong doings they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stated Wells Fargo balance was {$360.00}. I never owned this to Wells Fargo. But I paid it to help purchase a home loan. After hearing on the News of Wells Fargo false reporting. I needed to get my money back. Also Wells Fargo check for {$43.00} was returned stating insignificant funds.
Product: Debt collection

XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.
Product: Payday loan, title loan, or personal loan

My car 's engine died on XX/XX/XXXX I was waiting for the dealership to tell me whether or not they will cover the engine. I let one main know that the cars engine was not working and that I was waiting for answered to see if it would be covered and repaired after finding out it would not be repaired. The person told me all I needed was a letter to say that the car was not working and that they will switch the loan over to a personal loan. When I called back to have that done she told me that they were not going to do that. She was going to take the car, sell it, get what they can get and pick the loan and to repossession status and I'm not sure why. I never told them I would not pay but I told them that the car did not work and that I couldn't continue to pay the {$530.00} on the loan with having to get a new car and asked Could the monthly payments be lower but I have not received the answer. My car at this point is only worth XXXX and I owe XXXX on the car
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have noticed some unauthorized accounts on my credit report. XXXX XXXX are currently in XXXX status, so there should be XXXXXXXX XXXX XXXX appearing on my credit reports until I have started paying on them, when I graduate in XXXX. This is hurting my chances at obtaining a new home or mortgage. Please remove these accounts from my report immediately, as well as any old inquiries.
Product: Debt collection

Cavalry SPV I , LLC ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor is in violation of laws :15 usc 1692b ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 2 ) ,15 usc 1692g ( a ) ,15 usc 1666d ,15 U.S. Code 1692.
Product: Credit card

My online account, where I had a JPMorgan XXXX management account and Chase Credit card account, was locked due to suspicious activity, please call this number to get unlocked. So I called and after a speaking with them they explained that my online account access was revoked and wouldnt be restored while providing no information regarding my Chase credit card and how to pay it. So after trying to get information I was then assessed a late fee despite having my access revoked to pay and given no alternate forms of way to pay. I submitted a BBB complaint trying to get the fee reversed ( you cant restrict my access to pay then assess a late fee cause I couldnt pay ) and status of my account and they didnt address the fee charged and stated that my account would not be reinstated so XXXX unsure status of my card and I believe the fee assessed is in violation of federal law and I want my fee reversed and clear status of my credit card if it is still active or was it canceled as well. Absolutely the worst most ridiculous experience ever especially trying to pay a credit card
Product: Debt collection

Caine & Weiner just reported a {$150.00} collection account on my credit report. I have never been contacted by this company, and have no idea what it could be. When I call them, all they do is tell me that I can either pay it, or dispute it with the credit bureaus. They give me no details about the account, or where it came from. I recently found out that it is a violation of federal collection law to report a debt on someone's credit report, without first supplying them with a 30-day notice to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

So XXXX and XXXX and XXXX says I have 19 missed payments but it is incorrect on my credit file and is causing my score to be so low.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There is a fraudulent charge on my credit card account. I first contacted my financial institution, Discover, about the issue on XXXX/XXXX/16. After being transferred numerous times XXXX in the investigations department told us that he opened the claim and that I would receive the credit of the fraudulent amount to my card within three business days. The credit did not show up to my account as promised and on XXXX/XXXX/16 I contacted Discover and explained the conversation and asked if I needed to take additional steps, XXXX in the fraud department could not see that a claim was ever opened. She contacted a supervisor and then told me that she could n't do anything, then attempted to transfer me to someone who could, but hung up on me instead. On XXXX/XXXX/16 I contacted Discover in another attempt to take care of the issue and was told that I needed to fax in the statement because she could n't find it. When I was easily able to pull up that statement on my online account I called back to customer service. XXXX was very helpful, found the charge and then explained to a fraud specialist how to find it. After she transferred me to a specialist, XXXX at XXXX EST, even though he could see the statement he became very rude and told me I needed to fax it to him anyway, even though he admitted to having it right there in front of him. I faxed the statement as requested, and then called back on the XXXX as I was told by the representatives, to have the claim opened. XXXX in the Charge verification department seemed to try very hard to get the issue resolved. He told me that we should never have been asked to fax the statment and was even able to get ahold of XXXX who remembered me and helped him to find the statement. Once he had the statment he asked me a number of questions about the charge, and from there, he attempted to open the claim. He said his system was n't allowing it, but he kept trying and told me " even though I 'm having trouble, if there is fraud on the account we HAVE to open the claim. '' He put me on holds while talking to multiple departments and supervisors that totaled to an hour and a half of my time. Then he came back and told me that he is sorry there is nothing he can do about it and that I should try contacting government agencies about the problem.
Product: Credit card or prepaid card

There has been a card opened up on my credit report that just showed up today. The card was dated as being opened XX/XX/2021. I contacted capital one bank and they could not find the card in my name but it is showing on my credit report.
Product: Money transfer, virtual currency, or money service

I received payment XX/XX/2022 in the amount of {$300.00}. Square all across the internet promoting & advertising " Instant Transfer '' which is a deceptive act form of advertising. Today, XX/XX/2022, I've been waiting 5 whole business days to access my funds. I've encountered arguementive, unprofessional, rude Square customer service Reps since XX/XX/2022 trying to access my funds.Phone conversations from the above dates really need to be pulled from the above dates listed. Today, after finally realizing that Square isn't socially responsible and continuous waiting, I requested my refund of {$300.00} back to card ending XXXX. Now Square sent me a email of holding my funds " hostage '' again for 7 extra days. Why is Square allowed to tack on extra fees, false advertise, be rude to consumers and it's taking me, so far three complaints? Its bad enough the world is dealing with inflation, and now this. Very unfair to consumers, on all levels
Product: Credit reporting, credit repair services, or other personal consumer reports

Alot of things that is reported on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still Student Loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.
Product: Debt collection

This was a debt from XXXX, discharged in bankruptcy in XXXX. I have REPEATEDLY disputed this debt with Resurgent ( the collection company ) teeming them if was discharged.. They once again send a statement of the debt from XXXX, and start the whole process over stating that if I don't dispute the debt in 30 days, it will be valid.. This has been going on for months, if not years.
Product: Checking or savings account

A chime account was recently opened in my name. This started when I received unsolicited texts to my phone about a new Chime account. I assumed these were spam or fraud since I didn't initiate any application. I never provided ANY information to Chime. However today I received my new Chime card in the mail at my correct home address. 

I called their number at XXXX ( XXXX ) XXXX at XX/XX/year> XXXX XXXX Unfortunately they would not speak with me until i provided the last XXXX of my XXXX, which I refused a couple of times and insisted they verify me another way. After their refusal I ultimately did provide my last XXXX of my XXXX with great reluctance. I insisted that they close the account immediately The customer rep said this would be complete by XX/XX/XXXX, which is XXXX XXXX  from now. I will be monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax along with XXXX and XXXX regarding XXXX XXXX XXXX XXXX 's alleged " Serious Delinquency '' Back in early XXXX. I received a letter from them dated XX/XX/XXXX requesting I send to a different address of theirs a copy of my Social Security Card, Driver 's License, Deed of my House, Utility Bill, Pay Stub, or W-2, etc. alleging that they could not identify my file. Their letter reference : XXXX. My original letter included my SSN. 
I refused as this information is not necessary and was not requested by the other credit reporting agencies. 
I then sent another letter today including my refusal to a third address that they provided along with a copy of my letter refusing their request for copies of personal documents.
Product: Debt collection

After reviewing my credit report and seeing Portfolio Recovery I had contacted him to provide an original contract between me and them. They never verify the debt. I called PORTFOLIO RECOVERY looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call XXXX XXXX XXXX  XXXX XXXX  who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

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

Chime bank denied putting stop Payments on my checking accounts however XXXX XXXX XXXX  two account. XXXX. XXXX, afirm  all account I paid with my routing and account number all instructions when I happen to go in and check all said same thing that the bank stopped payment this happened towards end of XXXX  thru XXXX I spent 7-8 weeks trying to handle this chime wouldnt help me because they have no records XXXX  XXXX XXXX  was the worst inly  would speak to me twice after that repeatedly hung up on me without ever speaking to me till this day I submitted in the only thing I could was my bank statement which shows money was there and that there is no record if return payment in the interim if doing this XXXX  canceled my card and XXXX  XXXX cancel one card so far both saying for multiple canceled payments which were two maybe three which again account information proves no payment submitted there was sufficient funds so now my balances have all gone up by at least {$100.00} and two cards closed and late reports to credit report and the dispute do nothing!! This isnt my fault I payed on time and if you look at my history multiple times a month so mot late either But I cant get anyplace the bank says the have nothing else to give me the cards dont care and I stuck in the middle with bills going up and up and up and credit score down down down cards closed!!! Mine which is my fault!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BBVA USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BBVA USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX XXXX, and BBVA USA with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how XXXX, XXXX, and Transunion are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with IBERIABANK d/b/a IBERIABANK Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but IBERIABANK d/b/a IBERIABANK Mortgage took cash. Since then, IBERIABANK d/b/a IBERIABANK Mortgage has sold the note to XXXX XXXX XXXX XXXX and is now liable both criminally and civilly.
Product: Credit reporting or other personal consumer reports

Dear Self XXXX, XXXX, and XXXX, I am reaching out regarding inaccuracies on my credit report associated with my Self Lender account. After reviewing my credit in XX/XX/year>, I was surprised to find late payments reported for XXXX, XXXX, and XXXX of 2024 on my Self Lender savings account. This account was specifically opened to build positive credit, yet these inaccurate entries have negatively impacted my credit score. 

I promptly filed a dispute to receive detailed explanations and evidence supporting this late payment claim. However, despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ), it has been over 40 days, and I have yet to receive the required documentation. Instead, the account status continues to update inaccurately. According to FCRA, Section 1681i, credit reporting agencies must investigate disputed information promptly and notify the consumer of their findings. The absence of such documentation violates this legal requirement. 

Additionally, under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, I am protected from incorrect billing. Given that I have not received a physical loan from XXXX XXXX and only made monthly savings contributions of {$48.00}, these late payment reports appear to be unfounded and misleading. The inaccurate reporting of this account as late violates both my consumer rights under 15 U.S.C. 1681i and 15 U.S.C. 1692g, which require accurate and fair billing and reporting practices. 

I respectfully request the immediate deletion of this account from all credit reporting agencies. In light of our prior good-standing relationship, I also request the removal of any associated late fees and a correction of these inaccuracies on my credit report. I trust we can resolve this swiftly without further escalation, allowing me to continue a positive relationship with your organization. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX XX/XX/21 CITIBANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Dear CitiBank : Re : ( # XXXX ) On ( XX/XX/21 ), I ( opened a promotional account {$400.00} bonus for XXXX for 60days ) a ( through an online account ) Unfortunately, ( or service ) has not performed well, inadequate honestly terrible because ( says we can not give you the money due to coronavirus DEPOSIT was 2-3days late ). I am disappointed because I had delays in the mail receiving my account infomation, checkbooks, ie. I have contacted you customer service via chat, the service was not performed correctly, never got a response on YOUR PROMISE. You have it, you promise it, if they're delays due to pandemics I expect a HUGE reliable bank to fix immediate instead of draw out this foolery. I was billed the wrong amount now Im being billed {$24.00} A DAY something was not disclosed clearly or was misrepresented, etc. ) Which in this was fixed and account closed and resolved. 

To resolve the problem, I would appreciate your send me the {$400.00} check you promised. 

I look forward to your reply and a resolution to my problem and will wait until XXXX a ) before seeking help from a consumer protection agency or XXXX XXXX XXXX. Please contact me at the above address or by phone at ( home and/or office numbers with area code ). 

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

n accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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