23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2023 I paid my credit card balance to XXXX XXXX in full. This isnt the first time they pull this. I received a notice from XXXX XXXX that the reported I was delinquent. When I called them they said a XXXX charge hit the account shortly after I paid in full despite me having called them and now Im two payments behind of XXXX each which are late fees attached to the XXXX fee that hit. I called them when I paid to make sure it was all caught up. This is a shady practice by cards that do this when you arent paying attention. I wont pay them because I made sure I wouldnt get charged again as they had done in the past. And here we are. They did it again
Product: Mortgage

My mortgage was recently transferred to Nationstar Mortgage. I received an email stating a welcome packet with my loan details would arrive soon. After my mortgage due date came and went I had to call them for a welcome packet. It arrived 10 days after my due date. Around that time I received multiple calls each day from them. I returned the call and they explained it was an attempt to collect the first payment with them. Two days later after more phone calls I attempt to make my payment with check by phone. The first attempt was met with our offices are closed and being disconnected. The second attempt was better but was told it would cost me money to make my payment. I agreed and while entering my account information I heard the same message about them being closed with a disconnect. I do not want to do an auto draft on my account and prefer paper checks or check by phone. If the system wont accept payment even after I agree to pay a fee then it makes a simple process difficult.
Product: Credit reporting or other personal consumer reports

EXPERIAN SELFINC/LEAD ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT SELFINC/LEAD ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the XXXX XXXX guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this XXXX Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) XXXX TO XXXX : ( XXXX ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( XXXX ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
Experian : ( XXXX ) 60 DAY LATE WITHIN ( XXXX ) CONSECUTIVE MONTHS. HOW IS THIS POSSIBLE? 
XXXX : NO HISTORY REPORTING FOR XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
Experian : XXXX XXXX : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} Experian : {$0.00} XXXX : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
NO DATE REPORTED Experian : No Date Reported XXXX : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) NO DATE REPORTED FOR CLOSED DATE. HOW IS THERE NO CLOSED DATE ON A CLOSED ACCOUNT? 
Experian : No Date Reported XXXX : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} Experian : {$200.00} XXXX : {$200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. 2022, I sent {$1500.00} to an individual in exchange for a sports card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. 

I opened a claim with my bank ( Wells Fargo ) with claim ID XXXX. Upon reviewing this, WF was unable to reverse the transaction.
Product: Debt collection

I have been getting phone calls from this collections agency that have escalated recently, about a debt/account that is in my credit file/report at the credit bureaus that I have repeatedly told this agency is not mine. I have never been to XXXX XXXX XXXX, nor have I received treatment from this organization. I have tirelessly told this collection agency this fact, but they still keep contacting me. This collection agency has even gone as far as to offer me a settlement, even though I told them this debt is not mine and that I have no idea what they are talking about. It even got to the point one time when I gave an amount of what I can settle for, because I was thinking that if I did this, it would cease the phone calls in which I state over and over, what seems to be in vain, that the debt is not mine. However, after thinking it through I knew it was wrong and that this company is taking advantage of me, especially after the one representative stated that he would put me on hold to see if his supervisor would agree with my offer, only to have the same representative come back on the phone in an obvious disguise of voice ( as " the supervisor '' ). This collection agency would call from multiple area codes, as a way to further deceive me. This collections agency has even gone as far as to call me from an area code that is the same as my employer, possibly as a way to get me to answer. I am filing this complaint because I have never been a patient of XXXX XXXX XXXX, and this collection agency has placed a debt on my credit report for XXXX XXXX XXXX that should not be there and was incurred fraudulently. Furthermore, this complain is because this collections agency is not considering taking steps to address the situation of this debt not being mine nor are they concerned that they are harassing me for what is definitely identity theft. Instead of fixing the problem, they just want to extort money, at the expense of a consumer.
Product: Checking or savings account

My savings and checkings account was compromised over 6-8 times within the past two weeks. I contacted Chase every time an unauthorized transaction was posted to my account. I even locked my card and ask them not to allow anymore transactions to go through if I didnt personally authorized it. However, that didnt work. So, I asked Chase to restrict my account from any withdrawals or wire transfers. Even after requesting this information, in person and by phone ... my account is now not accessible to me and Im unable to have any access to my money because my License is expired ( during a global pandemic ... thats totally out of my hands ). I had other documentations to prove my identity ( such as, birth certificate, social security and a passport ) and I was still denied access to my money. Im currently unemployed ( due to the pandemic ) and my account was one way to collect my money to take care of my family and pay my monthly bills. Not only that, my sons birthday is on Sunday and now I have to disappoint him, because of chases security neglect. I just want my money ... so, I could bank else where. Apparently, Chase is not capable of upholding standard safety and security for their clients money.
Product: Checking or savings account

I received a check of {$2200.00} from a client as part of a tutoring program. I was originally meant to receive {$800.00} and the client client mentioned that he accidentally sent too much money Hi transferred the majority of the money back to the client. The check then bounced, so I lost {$2200.00} in a scam. I contacted my bank about it and they are unable to help. I have already contacted the local police about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

[ FORD MOTOR CREDIT COMP ] add a derogatory mark on my credit report per. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written signature of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, [ FORD MOTOR CREDIT COMP ] has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/XXXX to get access to my Equifax credit score. I was trying to finance a car and was made aware my Equifax was frozen or locked. I have never locked my credit score or put a freeze. I was unable to log in and called customer service. They informed me I would need to mail in a cover letter with my issue, along with a copy of my ID and a copy of my SSN. I mailed it to XXXX XXXX XXXX XXXX XXXX. I got a response stating they could not verify my identity and I needed to mail in additional documentation ; which I did! From then, no response. I called and they attempted to help me but couldnt resolve the issue. I was told over the phone they would get back to me within 72 hour business days. Never heard back. I again followed up and I was told I needed to resubmit documentation, as they do not have my initial documents anymore, they dont keep them longer than 60 days. So AGAIN, I re submitted documentation in XXXX of XXXX, and AGAIN no response. I followed up within 14 business days as I was advised and they again and again never received my documentation per customer service. I even faxed my paperwork to them hoping it would be quicker, and again no response. XXXX XXXX I was advised to AGAIN fax my paperwork to Equifax per customer service.The fax # I was provided was ( XXXX ) XXXX. As of current Equifax still claims they have received NOTHING. I am EXTREMELY frustrated with the lack of service from this company! It is ruining my life, I am trying to buy a house and I CAN NOT! Because I can not even log in to fix this freeze or lock on my report! I can not even view what my score is!
Product: Credit reporting or other personal consumer reports

It is my sworn statement that the listed accounts and inquiries are a result of identity theft as I did not create these accounts or inquiries. Please delete these fraudulent accounts and inquiries pursuant to 15 USC 1681c-2. Also, please update my personal information pursuant to 15 USC 1681e ( b ). 
DELETE ADDITIONAL INQUIRY : XXXX XXXX XX/XX/year>. ADD FULL NAME : XXXX XXXX XXXX. PLEASE DELETE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX PLEASE ADD MY CORRECT EMPLOYER : XXXX XXXX XXXX XXXX XXXX 

Please see attached Identity Theft Report.
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 XXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION AND FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND SHOWING PROOF THESE ACCOUNTSDONT BELONG TOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus XXXX XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they maXXXX also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Vehicle loan or lease

Bought a new Toyota XXXX XXXX on XX/XX/XXXX from Toyota XXXX XXXX XXXX and financed through Toyota financing. The amount was for {$45000.00} for 60 month and monthly payments of {$880.00}. First payment due on late XXXX. I noticed I was not getting any information from Toyota about the loan, and I could not find any loan under my name with them. I contacted the dealership on XX/XX/XXXX and was told that it could take longer to just be patient. On XX/XX/XXXX they came to my house to sign some papers that Toyota initially needed to start the loan. On XX/XX/XXXX, they contacted me and asked me to sign something and pay for the first 2 months of the loan counting XXXX and XXXX. I authorize them to debit my account for {$1700.00}, which was done on XX/XX/XXXX. From the date and on I kept receiving calls from Toyota and missed them all because of my job does not allow me to carry my personal phone on me. Toyota would not leave messages. Finally got a letter from them with the loan information. I access my account online on XX/XX/XXXX and found out that I was overdue for the first 2 months payments ( XXXX and XXXX ). I contacted Toyota and realized that the missed calls were from Toyota debt collection. I asked to talk to customer service since they could not help me with the situation. I found the customer service agent to be empathetic to my situation and promised to get it fixed by contacting Toyota XXXX XXXX XXXX for the payments. I decided then to make the payment for XXXX on XX/XX/XXXX. days and weeks passed but my account was not fixed and still show me overdue for payments. This situation gave me XXXX and cause me stress. I was having dreams about the car being repossessed. I finally took a day off from work to fix this issue on XX/XX/XXXX. I went to Toyota XXXX XXXX XXXX and ask them about my payment. The only thing they could do is give me a copy of the debit from my account to them so I can send that to Toyota financing. I was promised a copy sent to me the next day, I never heard back from them. Same day I contacted Toyota debt collection department, and they were very rude on the phone with me and also told me that the only thing they needed was a merchant report from my back that shows the debit from my account. I got the report form my bank on the same day and faxed it to Toyota as told by them on XX/XX/XXXX. I went to the local XXXX store and faxed it with confirmation that was received. After that I waited days and weeks for them to fix the issue. My account shows till this day as I owe them the first 2 monthly payments. I called Toyota financing on XX/XX/XXXX days before my next payment due. They said they have not received the paperwork and could not help me. I told them I have sent it and done more than enough to fix their error. Told them that I will not make any more payments until they fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I mailed letter to company I received no change or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX, XXXX XXXX and XXXX accounts on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Experian multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain employment ; I was recently denied a job due to these erroneous accounts. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will name Experian and anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.
Product: Credit card or prepaid card

On XX/XX/2022, I ordered 9 pairs of XXXX XXXX 's XXXX  for {$56.00}. I never received my package. XXXX XXXX and XXXX claimed the package was delivered on XX/XX/2022 at XXXX. My house is the 2nd one on the left on a dead-end street ; any incoming/outgoing traffic all have to go pass my house. I reviewed my XXXX XXXX for that day, it shows XXXX truck drove past my house at XXXX into the subdivision and drove past again leaving the subdivision at XXXX. The truck driver never entered my long driveway. The package was not delivered at my house. The delivery photo showing on XXXX tracking is not my house. I provided photos of my front door and the XXXX print-outs clearly showing XXXX drove past my house and never entered my driveway to deliver the package. XXXX XXXX told me to file dispute. Bank of America denied my claim saying it was delivered. The problem is they delivered it to the wrong house.
Product: Checking or savings account

In early XX/XX/2024, I saw an advertised offer from Bank of America and Merrill to open and fund a Bank of America checking account and Merrill investing account in order to receive a {$3000.00} bonus.

I was induced into opening a Bank of America checking a

ccount, into opening a Merrill investing account, and transferring my brokerage assets ( over {$600000.00} ) to Merrill due to this advertised incentive to receive the {$3000.00} bonus.

1. I submitted my information into the online form.

2. I was connected to a Merrill advisor who called me, as the terms indicated I would be.

3. I stated that I submitted my information because I saw the incentive advertised and wanted to take up the offer.

4. I was assisted in opening up a Merrill account and transferring over my brokerage assets into the Merrill account, and I opened and funded a Bank of America checking account. 
I followed and met the required actions in the advertised offer terms to a tee.

After many months of calling and emailing Merrill to confirm that I would indeed be receiving the advertised bonus, Merrill is now stating that the Merrill advisor that called me needed to be a specific type of advisor from a different department ( a " M
errill Lynch Wealth Management Advisor or Wealth Management Banking Specialist '' ). This is contrary to the terms stated in the advertised offer, and if Merrill should've had a different type of advisor contact me then it is clearly a Merrill internal process issue.

Attached are : - A saved printout of the advertised offer.

- An email that I sent to Merrill advisors on XX/XX/2024, after many months of my calling and emailing for a resolution to the issue. The email contains a detailed timeline of events. 
- An email that contains the response from Merrill to my XX/XX/XXXX letter stating a new condition they were adding in order to not honor their advertised offer, and my subsequent response pointing out their error and requesting a just resolution.
Product: Credit reporting or other personal consumer reports

I was going over my credit report and noticed that my rights have been violated under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Product: Debt collection

WAKEFIELD & ASSOCIATES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On XX/XX/2020 and I made a phone call to Jefferson Capital systems and I contacted Them in attempts to resolve my past due you debt.I was told that there was an offer for {$420.00} I asked the representative if there was a lower offer and he said yes it is {$300.00} if you pay right now.I said OK fine are you able to email me something stating that this is my settlement offer he stated no I said will how do I know that this is an offer that would resolve my balance he said because I am telling you he then went on to threaten to hang up the phone and not help me I then asked if I could speak to a supervisor and the supervisor than advise me that no yes they can except that but theyre not able to give me any type of correspondence I understand what the companys policy is but as a consumer how do I make a payment when youre telling me that yes I can except this to resolve the debt but I cant give you anything stating that this will resolve the balance but in the past they were able to send me those correspondence so I felt that that practice was deceptive and it was unfair because its not the fact that Ive never received correspondence its the fact that today theyre not able to give me any type of letter stating that this would resolve my account so that makes me feel that they are being deceptive with the statement of allowing me to settle the account for {$300.00}