23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX received a notification that a new collection had be added to my credit report. The collection is from ERC Account # XXXX in the account of {$800.00} with a collection date of XXXX for XXXX. The have added this to all reports XXXX and XXXX ). This collection was previously deleted from my credit report on XX/XX/XXXX because it was not my debt to begin with. Since then this collection has been readded to my credit report a total of 4 times each time being deleted. The are also each time placing it on my report with a new collection date like the collection is new and reporting as late. They keep selling a deleted closed collection that has been deleted since XX/XX/XXXX bus to the statue of limitations.
Product: Money transfer, virtual currency, or money service

I got a call on Sunday, XX/XX/XXXX from my bank. The person said that I was hacked and that a scammer sent over my via Zelle to themselves and that they would help me recover my funds back to myself. I " sent '' myself XXXX amounts, both for {$300.00}. After that phone call, I got another call from my bank and said there was unusual activity on my account. I told them I just spoke to someone from the bank and they had said that I didn't and there was no records in their system that I had just spoke to someone from the bank. It turns out that a scammer called me and trying to get me to believe that I was sending money that was taken back to myself. I called my bank ( XXXX XXXX ) and they said because it was process from Zelle that it was their responsibility and they could not give me back my funds. I contacted Zelle and they had said the same thing. It was through Zelle 's platform and that is why I am out {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for XXXX to block and remove these fraudulent accounts immediately from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  Has been reopened unlawfully by a different collection company and unlawfully reported by the CRAs 15 US.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 man 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 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting that this information be removed immediately. This is illegal and is negatively affecting my life and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 issues with Citibank. 
# 1 ). XXXX card which I originally requested information from in XX/XX/XXXX. Citibank never provided the requested info and did not close account as I requested. I called and requested info again in XX/XX/XXXX. They never sent requested info and did not close account as I had requested. I sent certified letters to them on XX/XX/XXXX, and in XX/XX/XXXX. To-date, they have not provided me with explanation of duplicate deductions from my checking account, nor have they provided me with a complete history of my payments and charges from inception to closing of this account. The only statements Citibank has sent me are those that have fees and late charges that were posted after XX/XX/XXXX, 4 months after I had requested that they close the account. This account was opened on or about XX/XX/XXXX. Therefore, I would need for them to send me valid/accurate statements from XX/XX/XXXX thru XX/XX/XXXX, as the last time I used this card associated with this account was in XX/XX/XXXX. They did not close account when I asked them to in XX/XX/XXXX, and send a final bill as requested. 

# 2 ). BestBuy card. I purchased a XXXX XXXX phone thru my contract with XXXX. After 3 attempts of using the XXXX phone, ( they seemed to have problems with dropping calls and not sending text messages ), I decided to go back to XXXX XXXX. I returned all accessories for the XXXX and requested a refund. I have the receipts that show that I was supposed to be issued refund, but when I got statement in XX/XX/XXXX, the {$390.00}, was still showing as owed. I called several times, visited the store in XX/XX/XXXX, and the Manager named XXXX refunded {$96.00}, and said that it was a mistake and that was all that she could refund. She could not explain to me why she couldn't refund the remaining {$300.00}. I sent certified letters, and all I got was passed on to other people, departments and pretty much ignored. 
Both of these items are showing on my credit report as delinquent, in spite of my repeated requests to have them cleared on the basis that they are not legitimate debts and Citibank is not entitled to any payments from my end of these situations. I sent letters to Citibank and spoke with their representatives on numerous occasions, but so far, all they've done is ignored me. At this point these issues have cost me one refinance and 2 closed credit card accounts. Please note : I attach correspondence for both of the issues with this complaint.
Product: Mortgage

My mortgage matured XX/XX/2020 the start of Covid-19, I submitted several applications to modify my loan and sent payments, payments were returned and modifications were denied. My balloon payment is XXXX, XXXX, and the company will not help me or modify my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding the numerous incorrect and unknown inquiries/accounts on my credit report, and sixty ( 60 ) days later they have not yet provided any explanation nor they have deleted those errors on my credit report. I feel like I am being ignored on my dispute letters. Under the Fair Credit Reporting Act, a failure to investigate any items in dispute by the consumer within thirty ( 30 ) days will result to the immediate removal of those items from my credit report. It has been over 60 days, so they should have been deleted by now as mandated by law. If their ignorance of my disputes persists, I will have no choice but to file for litigation against them. They have affected my ability to obtain credit or take a personal loan. Furthermore, my information was also impacted by the Equifax and XXXX data breach, and my information may have got into the wrong hands.
Product: Student loan

American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).
Product: Credit card or prepaid card

I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager.  I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRY ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EXPERIAN BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED.
Product: Credit reporting or other personal consumer reports

I called to ask for information about what to do with a 1099c form because I wanted to know what was the proper way to get the document to them. before I could get off the phone the agent said hold on we spot an error on your account. I thought they would work with me and fix the error but the agent instead tried to rush me off the phone saying everything is alright. I said to them what is the error the agent then said there are multi social security numbers on my profile. I asked since when. the agent did not want to tell me and didn't tell me. I asked to dispute it and the agent said I wasn't able to because I recently put a complaint in a little over a month prior. then they told me another dispute would lower my credit which was new to me. Ultimately I didn't get any more information. I told them that it's fraud and she just rushed me off the phone saying there's nothing they can do right now. The company didn't want to tell me what the social security number was that's there or how long it's been there. As a result it makes it difficult to obtain proof.
Product: Debt collection

This debt collection agency suddenly appeared on my credit report XX/XX/XXXX. At first I didn't recognize this debt because of the absurd amount that it reported owe. The debt collection agency is XXXX XXXX XXXX XXXX. The amount they are reporting is {$7800.00}. I disputed this XXXX times. I have never received anything in the mail, or call regarding the debt. It took my a while to figure out what debt they were referring to. When I found the initial loan document, the amount financed was {$1500.00}. I am not sure how they came up with the amount of {$7800.00}. I disputed both with XXXX and XXXX, but XXXX XXXX XXXX is confirming that they have the correct information. I disputed on XX/XX/XXXX and XX/XX/XXXX. They have yet to justify the amount hey are claiming I owe, even though I have sent them a copy of my initial loan document.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$130.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have always had XXXX configured on my Discover credit card. On XX/XX/XXXX I made a payment using discover.com of my full balance amount of {$3400.00}. On XX/XX/XXXX I went to use my card to find it locked. Investigation led to finding a recurring gym membership charge starting in XXXX that went unpaid on the card. 

Speaking with Discover in XXXX, they stated I myself chose an option to remove my AutoPay when I made that full balance amount payment in XX/XX/XXXX. There was no such option on-screen in the payment UI, and I would NOT have chosen to remove my AutoPay as I have always had it on on this card. 

Due to Discover removing AutoPay without my consent, they reported multiple late payments to the three major credit bureaus, in turn negatively impacting my credit score. They also charged me {$32.00} in fees.
Product: Mortgage

TDBank 's loan servicing process and supporting systems are inadequate. My spouse and I regularly make additional principal payments on our mortgage, which is allowed with no penalty for our mortgage type. TDBank 's IT systems do not allow one to pay down additional principal online. Every month, we must instead follow a two-step process : 1 ) Submit the extra principal payment through the company 's separate 'payments site ' ( as extra principal payments can not be completed through the regular Online Banking website which we log into to view our account ). This money is then routed to an " unallocated account. '' 2 ) Follow up with a phone call to TDBank 's customer service to request the unalllocated amount to be applied to pay down principal on our mortgage. 

This cumbersome two-step process can take up to 2 hours per one extra principal payment. For example, I called in on XXXX at XXXX and was on hold for 1 hour and 15 minutes to speak with someone to allocate a principal payment I made that day. I finally reached the agent, only to be told the payment hadn't settled yet and so they could not allocate my payment to principal yet. We make extra principal payments at least one time in every month, so you can do the math on how many hours it would take to make ~360 extra principal payments over the course of a 30-year mortgage.

Every other bank in the U.S. we have had a mortgage with has had an option to pay down extra principal on their regular Online Banking platform. The fact that TDBank does not offer this through Online Banking appears to be an intentional attempt to make it difficult for customers to pay down extra principal in order to boost TDBank 's bottom line ( i.e. because they are not earning interest on Prepayments ). It is a known issue at the organization, as every customer service agent I have spoken to each month apologetically explains that I need to call in each month to have them allocate my extra principal payment, and that there is no streamlined process to be able to do this more efficiently considering it will be a regular occurrence. We also requested the ability to pay bi-weekly, and were told no. 

We initiated our mortgage with a different bank, and our mortgage was subsequently sold to TD Bank. TD Bank 's loan servicing is so unacceptable that my spouse and I are considering refinancing at a new bank just to be able to pay down our mortgage at our own schedule and convenience. We know that refinancing would result in extra costs incurred for the transaction, but we do not have time to spare to battle TD Bank 's intentionally cumbersome process every month until our mortgage is paid off.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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.

EQUIFAX 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 card

I opened an account at XXXX XXXX with Wells Fargo. Everything from the start was misleading & I was only given the information electronically in the store to sign for the account. After a point of time all the interest was added to my account and I was unaware. I called and they told me they would let me settle the account without the fees. I was told I had 3 days. I called back. No one could verify this or help me do so. The account was then closed. I was unable to access the account and could not even get someone on the phone to help me locate the account. I am extremely frustrated. I need account settled. It continues to post to my account as past due. What do I do? No way to access account.
Product: Debt collection

Over the last two months, Harley Davidson Financial Services has called me 125 times ( 53 in XXXX, 72 in XXXX ), In the last week alone, they have called me 33 times. At the time of this writing, they have called me 5 times today. Four of those calls were between the hours of XXXXXXXX XXXX and XXXX XXXX. I typically work 8-12 hours shifts between the hours of XXXX to XXXX. I can not answer my phone at work unless it is official business or an emergency. At this point, I consider this HARASSMENT by a creditor.
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  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.