23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company by the name of Dobberstein Law Firm is reporting a debt that I never applied for. Ive never done business with this company nor any of its affiliates. They have a small claims case filed against me that are in current precedings.
Product: Credit card

Details/History of challenge : Account opened and two charges were made on XX/XX/XXXX o {$870.00} o {$320.00} Purchases were for a new office. Move in date was XXXX through XXXX ( card lost in shuffle ) Email reminder with link made online payment XX/XX/XXXX for full amount {$1200.00} Received notice that the online payment did not go through. 
- After receiving the notice I called and talked to a synchrony representative via the phone XX/XX/XXXX. I made an online payment and explained that my account numbers begin with a XXXX. I emphasized that this has been a problem in the past because the receiving institute automatically drops the XXXX. The person on the phone processed my payment in full and said it went through. As far as I knew this was solved. 
No new purchases other than the original two were made using the credit card in question. 
The first payment made was added back to the account and the phone payment was also added to the account. This resulted in doubling the original balance. 
The payments were made from a business banking account. Ample funds were available to cover the payments. The bank has no record of any request for funds and no refusals. This would show up on the bank record. The problem was not about available funds. It is more than likely about missing the beginning XXXX, or some other entry error on the account numbers. 
Late payments have been applied to my statement despite having made payments three times. The first online, the second over the phone, and the third by mail. 
- Credit reports have been made showing late payments and extending credit over the limit. 
This mess has cost me valuable time and considerable frustration. The two purchases of {$870.00} and {$320.00} totaled {$1100.00}. 
I continue to be harassed to make payments and fees continue to mount. 
The letter I sent on XXXX included a check for the original purchase of XXXX. 
- A response to the letter was sent on XX/XX/XXXX. It did not address the issue. It instructed me to contact my bank about the payment being returned. The check included has not been applied to my account. 
- As already mentioned, my bank has no record of any payment request. Any refusal would be noted on my statements.
Product: Bank account or service

Below is the information I sent to USAA 's CEO : Today is XXXX XXXX, 2015 and like many people, my rent is due. As I have done for the last 2 years, I deposit my girlfriends check for her half of the rent. Never does USAA put holds on my account especially not for such a small amount. I thought this may be related to USAA 's terrible security since my debit card information was recently stolen. I called and spoke to a worthless Executive Response member named XXXX. Upon telling me that he can not do anything for me, I asked to speak to a real manager in order to express my concerns and to help me with this pressing situation. After he told me there were NO MANAGERS AVAILABLE IN THE ENTIRE COMPANY, I told him I can hold for one until they are available. His response was simple " you can call back or I can discontinue the call. '' I was previously XXXX at XXXX XXXX and I have never seen this type of disgusting customer service ( if you can even call it that ). XXXX then disconnected the call on me after I had been trying to speak with someone for over XXXX minutes. 
I have always liked USAA because of the great service you used to provide. I will be filing a complaint with the XXXX and will be searching online until I find the CEO 's email so I can explain the horrible people that are hanging up on people that need help. I will also be taking this to social media as well as posting this to as many consumer sites as possible. I truly feel that USAA does not care about their customers and apparently has no respect for anyone that needs help! I hope someone pulls the call and reviews the extremely poor service of your representatives. 

I need my account fixed ASAP so I can pay my rent even though it is now late because of this company doing this to me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account Regional Acceptance CorpXXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My social is XXXX XXXX XXXX, and on or around XX/XX/XXXX XXXX, and transunion neglected my attemps to have false information and unsolicited credit checks removed from my accounts
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 XX/XX/year> 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. 


XXXX 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, credit repair services, or other personal consumer reports

Almost a year and 1/2 ago I contacted CITI CARDS/CITIBANK to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called CITI CARDS/CITIBANK today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

1 account with XXXX ( account for {$8500.00} XXXX is reporting a late payment in XX/XX/XXXX on my Equifax report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX XXXX. This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and XXXX keeps certifying to Equifax it is correct but it is not and it is IMPOSSIBLE if you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other XXXX accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX has violated my rights. 


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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> RE : Delete this account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, According to 15. U.S.C 1692c, you have violated my rights by unlawful communications ; please remove these collections off my credit immediately XXXX XXXX
Product: Debt collection

XXXX XXXX is an employee of RAB Inc. We have now asked him and his organization to take us off his list and to stop all phones calls on at least 5 occasions. 

He calls us over and over. Leaving very threatening messages. He contacted me today by making it look like my office called me. While he was on the phone with me, he pulled up my address, my auto mobile, my wife and her birthday, and while talking to him, he began pulling up my home, home value, address, car wife 's car and threatening both me and my wife. 

This man is not only a criminal but he is very dangerous. He calls me and I am not even an officer of the company that he says owes the debt. He calls the owner, employees who do not even know about the situation, companies he finds on our websites, and harasses and threatens each of us. This company and this man is very very dangerous. We have asked them now to stop calling for several weeks. They refuse and now are threatening our families. I feel I should start carrying a XXXX. 

Imagine a stranger calling you who you owe nothing and have never met, and they start telling your address, home value, the cars you drive, license plates, wife 's name, my dob, my wife 's dob, and then yelling at you calling you a criminal over and over.

Would you find this threatening? Would you feel endangered?
Product: Credit reporting

Equifax refuses to correctly report my credit history. Equifax has deleted important credit information : My current mortgage and student loan has been deleted from my credit report, and they will not report XXXX account that was fraudulently used as closed even after I sent a copy of the letter from the creditor. What kind of investigations do they do when random things are changed without any request. This is very important to me as I am going to be buying a home soon so please help me get Equifax to conduct proper investigations and report accurately. Thank You
Product: Credit card or prepaid card

On XX/XX/XXXX made a purchase on my XXXX XXXX credit card of XXXX with 6 mo no interest promo plan. On XX/XX/XXXX I made XXXX $ payment to pay regular payment and the entire promo purchase At no time was I ever informed I had to contact them to split payment and I was currently an assistant manager for XXXX XXXX at the time and we were never instructed to inform consumers of that either We were trained the regular payment would be applied and rest to deferred/promo purchase so therefore I had paid it on XX/XX/XXXX they applied the entire deferred interest of XXXX to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, XXXX or Transunion to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have asked Sunrise Credit Services to stop calling my phone number over 20 separate times, whoever they are looking for is not at my number that they keep calling. I have tried blocking their number but they continually spoof their number and call from a different number.
Product: Credit card or prepaid card

My XXXX died on XXXX and I was selected to take care of his final affairs, trust will ect. I closed his credit card with Citibank aprox 2 weeks after his death. Then in XXXX of XXXX a credit was issued back to his card from XXXX of the insurance companies that had direct payment set up with my father Citibank credit card. In XXXX a credit of {$720.00}. 24 was issued to the credit card. I called Citibank and requested the funds be sent to his address on file. The agent requested I provide documents showing my role in the estate/trust which I provided. I called back two days later and they confirmed all paper work was in order. The agent then related I would receive a refund in the amount of {$720.00} by the end of XXXX. When the funds didn't arrived I called back at the end of XXXX and talked to XXXX # XXXX in the probate dept. She related the check was issued then cancelled she didn't know why but would submit a new request. She return to the telephone and related everything was in order and the check would be received by XX/XX/XXXX. When the funds didn't arrived I called back on XX/XX/XXXX and again talk to XXXX. She related the check was issued then cancelled again. She didn't understand why. She did research and found out it was an internal error on Citibank end. The check would be reissued and it would be received with 30 days. When the check didn't arrived I called back on XX/XX/XXXX spoke with another agent she related the check was never sent and didn't know why. I then requested to speak with a supervisor I was then transferred to XXXX # XXXX. She look at the case and couldn't understand why the check wasn't sent. She contacted the check issuing dept and was told it would be placed on rush and I should receive it within 10 business day. On XX/XX/XXXX I called back after having not received the refund and spoke to XXXX again she related the check was issued but not printed yet it would be done soon. On XX/XX/XXXX the check still hadn't arrived so I called XXXX back again and she related the check was not issued because it was involved in a batch of checks that were recalled. She related I couldn't talk to anyone else and it would be another 10 business days before it would be reissued. She also said I couldn't talk to anyone else and she wasn't a supervisor and wouldn't give me her supervisors name. If I had a problem I could write a letter to the office of the president. 

It has been 4 months since I contact Citibank XXXX XXXX and I still haven't received the credit refund. The estate/trust has been waiting for the refund so it can be closed. This has become nothing less then a joke dealing with Citibank and XXXX is the worst of all.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a letter to Experian requesting an investigation into inaccuracies on my credit report. In my letter, I mentioned the information that does not look accurate and complete in I included my ID and Proof of Address to verify my identity and ensure my dispute could be processed without issues. 



However, on XX/XX/year>, I received an email from Experian stating, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' Im confused and concerned by this response because I sent the request and followed all the necessary steps to confirm my identity. Im unsure of the basis for their claim, as I have every right as a consumer to dispute inaccuracies on my credit report. 



I am seeking assistance in getting Experian to process my dispute and investigate the accounts I mentioned in my letter. The errors on my credit report are affecting my ability to secure credit, and I want them to be corrected in a timely manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between Trans Union XXXX and XXXX, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.
Product: Credit reporting or other personal consumer reports

I was denied credit increase due to many past delinquent. However, I have setup automatic payment to my account. There was XXXX time late payment that was waived by the company. I believe there are inaccurate information that should be removed since they are old reporting. I would like them to be remove if they are old data in my credit report. Wrong social security number shown when you log online.
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumers-provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was a cosigner on an apartment lease for my son, XXXX XXXX, who is on XXXX XXXX in United States XXXX XXXX since XXXX XXXX, XXXX. Before my son left for XXXX XXXX, he had been working on paying the final bill for his apartment lease. He paid the final bill in XXXX of XXXX. We noticed in XXXX XXXX that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected before he left and said everything was fine ) and a day to day fee for the rent. He had already paid the final rent before he left. They also had a utility bill ( water and trash ) on the bill, which he had paid directly to XXXX. He submitted a letter of satisfaction from the company to the leasing company, XXXX properties. We can not rectify because XXXX XXXX at XXXX XXXX XXXX is no longer the owner of the property and will not deal with us. Fair Collections and Outsourcing took over the so called debt. I offered to pay them to remove it even though it was n't owed to them and they refused. Then, I contacted a lawyer and we gave him power of attorney. They refused to deal with him. My son who is the primary contacted FCO and they refused to talk to him because they said the power of attorney is with the lawyer. The lawyer said this is not true that they really can not object to talk to the debtor just because there is a power of attorney. My son told them the lawyer is no longer involved and they told him they can not talk to him and the lawyer would have to pay it. We can not get this resolved because the debt collectors have been unreasonable, have not provided us with an itemized bill, just a printout of charges that says printed XXXX XXXX, XXXX, which was added on after he left for boot camp. The copy of the bill I am providing you with was not received by my son until we found it on our credit reports and contacted XXXX Properties and FCO. FCO refusal to deal with us has left us with no other option, but appeal to you to help us. Thank you for your assistance in this matter.