23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We pay monthly on debts accumulated from a family member that has since passed. Regardless we pay on the outstanding debt ( s ). We have told each creditor that we will pay monthly. The calls keep coming. We have caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing letters to EXPERIAN, XXXX, AND XXXX ON XX/XX/2018. Informing them that I see inaccuracies on my credit file from these accounts listed on my credit report. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, And XXXX XXXX Account # XXXX. I pointed out all the inaccuracies that these accounts were reporting on my credit file. And informed them it was grounds for removal off my credit report. Instead they updated and verified the accounts on my credit report. So after I received that information. I contacted the lenders myself. On XX/XX/2018 I wrote them requesting a debt validation letter for these bills which they say I owe. They sent back an itemized bill from XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX on XX/XX/2018 ACCOUNT # XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX which is NOT validating the debts. They could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request these accounts be removed with any and all of the credit reporting agencies ASAP.
Product: Credit card

Chime bank is stating I owe XXXX dollars on a bill. what I didn't kno is the money you put in your credit builder you will be billed for the amount you use. so if you put XXXX dollars in your credit builder then use it for your rent the XXXX of every month you get billed for using your own money hence I owe XXXX dollars off my own money chime credit builder never extended any credit for me to owe that was my money going in no credit
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 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 or other personal consumer reports

I just pulled my credit report and noticed that my student loan is listed twice making my debt to income ratio higher then it is suppose to be. Account was sold to a different lender. My student loan is currently with XXXX. 

XX/XX/XXXX, XXXX-Dept of EDXXXX XXXX  {$36000.00} XX/XX/XXXX, XXXXDept of ED : {$36000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX has put a delinquency on my credit report. date open XX/XX/XXXX and its has went into collection. I contacted the company who supposed to have the charge off account who is XXXX XXXX XXXX, and they have no record of this note. they have since created XXXX complaint on my behalf. I want this removed off my credit report immediately being it 150 days delinquent. 

Balance : {$690.00} closed on XX/XX/XXXX. 
opened XX/XX/XXXX XXXX  XXXX type : credit card I was redirected to XXXX  XXXX XXXX and they wouldn't give me the complaint filed on record or give me a case number.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX 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

Apparently someone has an account with a fake email and my information on it through XXXX. They purchased {$2000.00} worth of merchandise allegedly and it was apparently sent to my house without signature. This is WRONG. I called Navy Federal and they told me to open it as a fraud claim, so they did. Now 2 months later, NFCU tells me that since " XXXX '' has my address information, it must be me! Navy Federal scammed me out of my money with no evidence at all except a tracking that shows it was left at a " door ''. No evidence what it was, where it went, or anything. I never got any item. Now I tried to contact them to dispute since they opened a fraud claim and now they ruined me for it. They told me I should have open a " never received merchandise '' dispute now, but they won't let me open one. Navy Federal XXXX  me out of 2k+ and expects me to pay with no hard evidence that XXXX had to say it was me. Oh wow XXXX has my address! I have done business with XXXX a long time ago, so NO WONDER!!! Navy Federal has disappointed me time and time again recently with this process. They need to re-train their representatives. They are not looking out for anyone 's best interest. I am sure they lost my information to a hacker and now want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My former auto loan account Santander is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from Santander. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Product: Payday loan, title loan, personal loan, or advance loan

+ to whom this may concern : as of the complaint # XXXX dated XX/XX/2024 wherebyVance Huffman indicated explicitly that any and all further collection activity would beimmediately stopped, however it is now come to my attention that they haveflagrantly violated the laws of the FDCPA and FDRPA insofar they have purposelyfailed to fully delete their derogatory credit reporting entry off of my transunioncredit report. I am therefore once again and this is the final straw I am demandingthat Vance and Hufman immediately delete their derogatory listing off of XXXX  credit report AND ANY OTHER CREDIT REPORTING LISTING THAT I MAYNOT BE AWARE OF. SUPPORTING CASE LAW AND DOCUMENTATION ARE ASFOLLOWS IMPLICATING THAT THIS LOAN HAS BEEN DETERMINED TO BE ANILLEGAL LOAN AND THEREFORE VANCE AND HUFFMANN IS IN GROSS VIOLATIONOF THE LAW AND THEREFORE NEEDS TO BE HELD ACCOUNTABLE .... 
****NOTE THIS NEW COMPLAINT IS IN NO WAY SHAPE OR FORM A DUPLICATE OF ANY PREVIOUSLY FILED COMPLAINTS IT IS A BRAND NEW COMPLAINT WHICH IS ADDRESSING AN STILL UNRESOLVED CREDIT REPORTING MATTER IN WHICH vANCE AND HUFFMAN ARE FLAGRANTLY IN VIOLATION OF BOTH FDCPA AND FDRPA IN WHICH THEIR ENTRY IS STILL LISTED ON MY XXXX REPORT WHICH IT MUST BE DELETED IN ACCORDANCE WITH THEIR OWN VOLITION AND ASSERTION THAT ANY AND ALL CURRENT OR FUTURE COLLECTION ACTIVITY WILL BE STOPPED THIS IS WHERE THE VIOLATION IS CONTINUING TO FESTER ON MY XXXX  XXXX REPORT [ I AM DEMANDING VANCE AND HUFFMAN IMMEDIATELY DELETE THIS ENTRY
Product: Credit reporting, credit repair services, or other personal consumer reports

Collect Agency Common Wealth continue file inaccurate information on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach 3 documents that First Interstate Bank and XXXX provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error 1 ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error 2 ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error 3 ). Upon examining the provided documents is you will find a credit limit. The XXXX Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error 4 ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error 5 ). Recent Balance is ( NOT REPORTED ) ( Error 6 ). The payment history has been left blank ( INACCURATE ) ( Error 7 ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this XXXX Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Product: Credit card or prepaid card

I opened an account with Synchrony Bank in early XXXX. My original credit limit was for {$2000.00}. I have paid have paid over {$2000.00} since XX/XX/2020 and still owe {$1800.00}. Synchrony Bank failed to disclose their XXXX, monthly interest rates, and other fees.
Product: Credit card or prepaid card

I previously reported XXXX XXXX and their credit card service provider XXXX XXXX for unnecessarily rejecting credit card payments in order to charge excessive late fees. They did not explain why the payment was rejected, and I checked that my routing and account number was correct. So they'd reject the payment, and not notify me that it had been rejected and then charge me a late fee when the account was past due. After being on hold with the company for hours to get it cleared up I demanded the account be closed and the excessive late fees be removed. The person I was talking to told me they could clear two of the excessive late payments, but they would clear all three if I kept the account open. I told them no, and demanded the account be closed. I discovered that the account is still open, and is still active on my credit report though I have not used the card since I thought the account was closed. I demanded the account be closed again and have not seen any action.
Product: Mortgage

I purchased a home in XX/XX/XXXX in XXXX, California, using an FHA mortgage, FirstCal as the lender, and XXXX XXXX as the appraiser. <P/>InXX/XX/XXXX, I was applying for a refi to simply shift to a conventional mortgage while rates were still low so I could lower my PMI. At the time of purchase, I did n't understand that the PMI on the FHA loan was for the life of the loan. I wanted a conventional loan prior to predicted increases in interest rates. During the process, I was notified by various banks ( XXXX, XXXX, and XXXX ) that the original appraisal appeared fraudulent and the lender backing of such an appraisal should have created red flags and concerns during the appraisal review. <P/>My home is a half-plex two bedroom/two bath home. The XXXX noted 2-3 bedroom ; however, it is clearly two bedroom - there is no den, but there is basically an enclosed porch surrounded by windows with no closet and a tile floor - not a bedroom. The original inspection noted 3 bedroom and only 3 bed comparables were used in the appraisal - no two bedroom equivalents. In addition, the original appraisal noted the square footage at 1538 sq ft whereas the actual square footage is 1495 sq ft, this difference at the cost per sq ft equals approximately a {$13000.00} increase in value compared to the correct square footage of 1495. The most recent refi attempt was halted due to it accurately being appraised as a two bedroom with 1495 sq ft and thus a lower value. XXXX County Accessor documents reveal a floor plan with 2 bedrooms and an addition of a 'sewing room ' ( built in XX/XX/XXXX ). The VP at FirstCal has verbally acknowledged to my father that it appears to be a 2 bedroom, but also noted that they have no responsibility as I am not a current client ( they sold my loan ) and that the appraisal matches tax records ( bedrooms - yes, square footage - no ). They did not review the provided material during the first loan process and at this time refuse to aid in resolution other than offering to refi at a higher than market interest rate. <P/>I 've attempted to work with FirstCal and XXXX XXXX. On XX/XX/XXXX the FirstCal compliance ( XXXX XXXX ) office noted in a letter that they would issue a ruling within 30 days. During those 30 days, I 've talked to a VP ( XXXX XXXX ) and the President ( XXXX XXXX ) of FirstCal. I 've never received a formal response as promised. Their approach was to refi the home at a higher than market interest rate and the VP assured me that the home would appraise as a 3 bed. This response also seemed fraudulent in nature as he is making assurances without seeing the property and after verbally acknowledging that the floor plan clearly shows a 2-bed home. The floor plans that they have seen from the county accesor clearly show 2-bed with an addition built 16 years ago that is classified a 'sewing room '.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, and I've filed a valid police report for identity theft in XXXX XXXX, Nevada. 

Despite numerous disputes with the police report concerning accounts with XXXX XXXX and/or XXXX XXXX XXXX XXXX no evidence has been provided to substantiate the claim that I'm the individual who purportedly opened those accounts.
Product: Vehicle loan or lease

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Money transfer, virtual currency, or money service

Zelle was unsure about its services and I was affected by there lack of transparency
Product: Credit card

I have now gotten XXXX emails in the past XXXX days about credit card accounts opened in my name with Capital One and can't seem to get them to stop, I've called every time to get them to shut the accounts down and I keep seeming to get transferred to someone who " can't hear me '' so I can't get anything resolved
Product: Vehicle loan or lease

Wells Fargo should have included Me in their lawsuit payback related to payments being applied incorrectly, which in turn cost extra fees on the total amount paid.
Product: Checking or savings account

I bank with NETSPEND. On XX/XX/XXXX my saving account was hacked. Over {$1600.00} dollars was taken out of my account. When I became aware of what was going on I called my bank to file a dispute. The gentleman that I spoke to file the dispute incorrectly. He actually file my transactions and not the hackers. When I noticed the error I called my bank AGAIN and told them what about the wrong filed dispute, causing me to have to file another one. I sent in screenshots of the transactions, plus address that was listed on my transaction history. I was told to wait 10 business for a decision. SO I WAITED!!!! On the day I was told to call to check on the status of everything I was told that my claim was denied due to non-fraudulent activity. 
I was livid!!!!!! 

Can someone please help me! I need my money and they refusing to replace it. What can I do???
Product: Checking or savings account

I've repeatedly complained but to no avail. This morning I noticed that payments that were marked " on hold '' on Friday now show as coming out today. Citizens holds larger payouts until a poor man 's account is low and the system changes the arrangements of payouts on the app balance sheet. Then, they fine me for an overdraft. They do like to remind me that I read the Terms And Conditions. But my credit isn't bad, just not good enough to be considered for overdraft protection. This IS now matter how it's worded, a tax on me for being poor. Please help. I'm working one whole week to pay back fees that my neighbors aren't all charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX. 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 XXXX 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, Equifax, XXXX, and XXXX/XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Product: Debt collection

Navient Corporation    has made repeated phone calls to my home telephone number. I has received over 26 calls within the last seven weeks. No message is left. I have not received any mailings from the company, or any communication to explain the harassing calls.
I have never had business or any other contact with Navient. It would appear they are trying to scam and harass me.
Product: Debt collection

XXXX XXXX Hospital performed XXXX ' that have been paid for in full, via payment plan. Account was turned over to collection company before first billing from hospital. This is a scam. There is no way to pay the hospital, except through the collection company. Have tried to resolve, falls on deaf ears. The collection ( billing ) company is Central Financial Control.
Product: Student loan

My complaint is about how my account was handled during Covid. In the month of XXXX XXXX, because my mail from them was being returned, due to me being homeless because I lost my Job during covid and had limited resources they uninsured my loan and now I can't get my loan on an income driven plan and have my loan figured on my income and family size. I can only do a standard payment that is so high it would put me back into a homeless status again. I can not believe a company would not want to help someone that tried my best to keep up with my loans. Especially because the only reason it went into un insure status because of mail being returned., you would think now they could reverse it just as they put it in that status. I am just blown away because I am trying my best to get this account resolved but I'm always hitting a brick wall.
Product: Debt collection

I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( Equifax, XXXX, XXXX ). The accounts are as follows US Dept Education XX/XX/2010 Balance {$4400.00}, US Dept Education XX/XX/2010 Balance {$9700.00}, US Dept Education XX/XX/2010 Balance {$12000.00}.